A personal non-interest checking account is designed for everyday transactions, such as deposits, withdrawals, and payments — but it does not earn any interest on the balance. This account is simple, low-cost, and ideal for customers who want straightforward banking without the extra features that come with interest-bearing accounts.

This checking account requires a minimum opening deposit of $10.00. Once open, there is no minimum balance required and no monthly service fees. Checks are available to order upon request.

Both our N.O.W. Checking and Personal Checking accounts feature Debit Cards for your everyday use – the card that looks like a credit card but works like a check!

This interest bearing N.O.W. Checking (or Negotiable Order of Withdrawal) account requires a minimum opening deposit of $500.00. When a $500 balance is maintained daily, interest is earned with no monthly service fees and no per check charges. If the balance falls below this minimum during the month, there is a monthly service fee of $5.00, charges of $.10 per check after 20 free items per month, and no interest earned.

Special considerations are available for senior citizens, non-profit organizations, and students. Contact a Customer Service Representative for details.

* N.O.W. Checking offered to eligible depositors only, under restrictions from Federal Regulation D.

This Business Checking account requires a minimum opening deposit of $500.00. When a $500.00 balance is maintained daily, there are no service fees and no per check charges. If the balance falls below this minimum during the month, there is a monthly service fee of $5.00, and charges of $.10 per item after 20 free items per month. Night Depository Service is also available to keep your money safe and make deposits convenient for your business.

Are you a business customer with questions about reporting your information to FinCEN about the individuals who ultimately own or control the business? Go to the FinCEN Beneficial Ownership Information for more information.

Health Savings Accounts (HSA) combined with high deductible health plans, create a cost-saving medical plan. HSA owners can contribute money tax-free up to the federal annual limit each year and may use checks to pay for many medical expenses not normally covered by traditional health plans. Whether you’re opening a new account or transferring an existing one, we make the process simple, secure, and local.

What is an HSA?
An HSA, or Health Savings Account, is a personal deposit account that allows you to set aside money to pay for qualified medical expenses on a pre-tax basis.

The benefits include:
– Lower premium costs.
– Tax-free contributions and earnings.*
– Tax-free withdrawals for qualified medical expenses.*
– Ability to rollover funds year to year, accumulating interest.
– No use-it or lose-it stipulations.
– Ability to maintain your HSA even if you change jobs or insurance provider.
– Interest on balances of $100.00 or more.
– No monthly service fee.
– NEW account Debit Card!