Bear Account:
- This account does not earn interest.
- Only a $ .50 flat monthly fee.
- This is a truncation account. We will safekeep checks for ninety (90) days. A copy will be made available if necessary.
- There is a $100 minimum deposit to open your account.
Basic Checking Account:
- This account does not earn interest.
- Fees are based on the number of checks and debit items.
- There is a $100 minimum deposit to open your account.
Regular Minimum Balance Account:
- This account does not earn interest.
- Fees are based on the minimum balance in the account on any day of the monthly statement cycle.
- There is a $100 minimum deposit to open your account.
NOW Account:
- Available to individuals, nonprofit organizations, municipalities, and sole proprietorships.
- Not available to businesses, partnerships, or corporations.
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account weekly on Mondays.
- Interest begins to accrue no later than the day following the date of your deposit.
- Interest is compounded and credited to your account monthly on the day the statement is cycled. If you close your account before interest is credited, you will not receive the accrued interest.
- No interest will be paid for the days when the daily balance drops below $500.
- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Super NOW Account:
- Available to individuals, nonprofit organizations, municipalities, and sole proprietorships.
- Not available to businesses, partnerships, or corporations.
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account weekly on Mondays.
- Interest begins to accrue no later than the day following the date of your deposit.
- Interest is compounded and credited to your account monthly on the day the statement is cycled. If you close your account before interest is credited, you will not receive the accrued interest.
- No interest will be paid for the days when the daily balance drops below $2,500.
- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Insured Plus Account (Money Market):
- This is a tiered account.
- This account is available to anyone, including businesses.
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account weekly on Mondays.
- You may make six (6) transfers from your account per month, but only three (3) may be checks. Excessive abuse may cause us to close your account.
- Interest begins to accrue no later than the day following the date of your deposit.
- Interest will be compounded and credited to your account monthly on the day the statement is cycled. If you close your account before interest is credited, you will not receive the accrued interest.
- No interest will be paid for the days when the daily balance drops below $2,500.
- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
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Bank in Confidence with Confidence