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Money Market Account (Interest Bearing)**
Minimum opening deposit of $2,500
$10.00 minimum balance charge if daily balance drops below $2,500 anytime during the month*
Interest earned on balances of $2,500 or more
$10.00 excessive transaction for each debit over 6 per month****
Other fees apply-see account representative

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NOW Account (Interest Bearing)**
Minimum opening deposit of $1,000
$10.00 minimum balance charge if daily balance drops below $1,000 anytime during the month*
Interest earned on balances of $1,000 or more
Unlimited check writing
Other fees apply-see account representative

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Cash Back Checking
Minimum opening balance deposit of $100.00
Electronic delivery of your statement is required
Free online banking
Bill Pay available - may be subject to per check charges
No charge for initial debit card
.10 deposited for every point of sale transaction posted
.10 charged for each check/teller withdrawal posted per month over 5
Other fees apply-see account representative

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Golden Account For Ages 62 and over
Minimum opening deposit of $100.00
$3.00 minimum balance charge if daily balance drops below $800*
Free first order of checks (1 box of bank logo only)
No charge for initial debit card
Free online banking and unlimited check writing
Bill Pay available (refer to Bill Pay for details and fees)
Paper or E-Statements
Other fees apply-see account representative

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Hometown Checking
Minimum opening deposit of $100.00
$5.00 minimum balance charge if daily balance drops below $800*
No charge for initial debit card
Free online banking
Bill Pay available (refer to Bill Pay for details and fees)
Unlimited check writing
Paper or E-Statements
Other fees apply-see account representative



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E-Business Checking
Minimum opening deposit: $100.00
No monthly service fee
Electronic delivery of your statement is required
Free Online Banking
$.25 per item greater than 150 items
Bill Pay available - per item charge may apply
Other fees apply - see account representative


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Small Business Checking
Minimum deposit to open: $100.00
$7 min. balance fee if balance drops below $5,000 or $10 if balance drops below $2,500
Free Online Banking
$.25 per item greater than 200 items
Other fees apply - see account representative



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Commercial Checking
Minimum deposit to open: $100.00
$10 monthly service fee
Free Online Banking
$.05 per item
Earnings credit available
Other fees apply - see account representative



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FDIC
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