•
Earn a competitive rate of interest
•
No fee when minimum balance of $100 is maintained
•
Three free withdrawals per month, $0.50
fee per item thereafter
•
Free ATM card
•
Free PhoneFirst telephone banking
•
Free NetTeller online banking
•
$100 minimum to open the account
Simple
Savings Calculator - This
is a simple calculator that lets you start with
an amount of money and make regular monthly deposits,
and see how much it grows. Please Note - The calculated
amount is an approximate value and may differ
from the bank's final calculation.
The interest rate and
annual percentage yield will depend upon the daily
balance in the account as shown in the rate chart.
At our discretion, the interest rate and annual
percentage yield may change daily on the account.
Interest begins to accrue on the business day
you deposit noncash items (for example checks).
Interest will be compounded monthly and credited
monthly for those customers receiving combined
checking & savings monthly statements. For
those customers receiving only quarterly savings
statements, interest will be compounded quarterly
and paid quarterly. We use the daily balance method
to calculate interest on the account. This method
applies a daily periodic rate to the principal
in the account each day. You must maintain a minimum
balance of $1.00 in the account each day to
obtain the disclosed annual percentage yield.
If the balance of this account falls below $100.00
in a quarter, a $3.00 fee will be assessed. For
clients with combined statements (savings account
statement is combined with checking account),
a $1.00 fee is assessed if the balance falls below
$100 during the month. Fees may reduce earnings on
the account. 
