• Secure Checking

    We offer just about every kind of checking account you could want. The convenience of a debit card may be used with the account. Overdraft Privilege is also available. Please refer to our Overdraft Program for more details

    • $100.00 to open
    • Unlimited check writing
    • Overdraft Privilege
    • Online Banking
    • Free Notary
    • Monthly Account Statement without images
    • Monthly Service Charge of $4.00
  • Peoples Club Account

    • $100.00 to open
    • 1 Box of Free Club Checks yearly
    • Unlimited Check writing
    • Free money orders
    • Imaged Statements
    • Lifelock
    • Gift Card Discounts
    • Free ATM/Debit MasterCard
    • Overdraft Privilege Available
    • Online Banking
    • Free Notary Services
    • Service charges as follows
    • Basic Plan - $11.00 10,000 AD&D
    • Personal Plan - $12.00 20,000 AD&D
    • Family Plan - $13.00 AD&D
  • Personal Checking Account

    An easy checking account that only needs $100.00 to open.

    • $100.00 to open
    • Unlimited check writing
    • Free ATM/Debit MasterCard
    • Imaged Checks
    • Overdraft Privilege Availbale
    • Online Banking
    • Free Notary
    • Service charges for balance standing
    • $0-$2499.99--$9.00
    • $2500.00 and above--$0.00
  • Platinum NOW Checking

    Interest earned on balances over $1500.00

    • Fees and withdrawals reduce the earnings on the account
    • Service charge based on Daily Balance Method
    • $1500.00 to open
    • Unlimited check writing
    • Imaged Checks
    • Overdraft Privilege Available
    • ATM/Debit MasterCard
    • Online Banking
    • Minimum balance of $1500.00 must be maintained to earn interest
    • Service Charges:
    • $0 to $1499.99-$15.00
    • $1500.00 and above-$0
  • Money Market Accounts

    Money Market Deposit Accounts (MMDA) are available with Interest earned on balances over $2500

    • Fees and withdrawals reduce the earnings on the account
    • Service charge based on Daily Balance Method
    • A minimum $2,500.00 deposit is required to open a MMDA account.
    • Minimum balance of $2500.00 must be maintained to earn interest
    • Limited to six(6) withdrawals per quarter; $10.00 fee for each withdrawal in excess of six(6)
    • Service Charges:
    • $0 to $2499.99-$12.00
    • $2500.00 and above-$0
  • Savings Account

    $100.00 to open and earns interest*

    • Fees and withdrawals reduce the earnings on the account
    • Service charge based on Daily Balance Method
    • Limited to 6 withdrawals per quarter; $5.00 fee for each withdrawal in excess of six(6)
    • $0.00 - $99.00 - service charge of $5.00
    • $100.00 and over - No Service charge
  • Minor Savings Account

    An easy savings account for minors.

    • $25.00 to open
    • Interest earned on all amounts
    • No minimum balance
    • No monthly service charge
    • Limited to six(6) withdrawals per quarter; $5.00 fee for each withdrawal in excess of six(6)
  • Loans

    We really like making loans. We do it the old fashioned way, one person at a time. We are a “community bank” which means the decisions are made locally, not somewhere in another state or by some computer. We have competitive rates and our lenders will take the time to speak with you regarding your loan products so you can choose what best fits your needs. So, if you want to be considered as an individual instead of a name on a piece of paper, then we are the bank for you.

    • A new computer, sporty new car, or hitting the water on a jet ski……these are just a few reasons you might need financing from us. We offer consumer loans for just about anything, all with great rates and friendly service, so stop by and see us!
    • Building, buying or refinancing? Don’t trust this important process to a mortgage broker or commission, come to a bank you can trust. We have specialized in-house construction loans. Whether it is your first home or where you plan to retire, we can help make your dream home come true.
    • Do you need to do some home repairs, bill consolidation, or take a much needed vacation? The answers could be right under your roof! A home equity loan allows you to take the equity out of your house and use it to do all these things and more. Stop by one of our locations and speak with one of our knowledgeable, friendly lenders.

  
  

NOTICE: All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest n Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.