For customers who are employed by participating companies, this plan offers individuals an excellent means of building funds for retirement.

For business customers who want instant access to funds and free service with no minimum balance requirements. This account is also available to corporations.

Benefits: Earn interest on daily balance; free ATM withdrawals; first 4 branch withdrawals free; low monthly service charge; low minimum balance requirement to avoid monthly charge

Fees: Minimum balance to open accout is $100: $3.00/month; $1.00/withdrawal after first 4 branch withdrawals; (minimum balance of $300 to avoid monthly charge, or $5,000 in all your personal accounts under the same ownership).

For business customers who want liquidity while earning high, money market rates. This account is also available to corporations.

Benefits: Earn high interest on daily balance.

Fees: Fees & restrictions: Minimum balance is $100. $8.50/month; (minimum balance of $2,500 to avoid monthly charge); certain transactions limited to 6 per month.

For business customers who want guaranteed returns within a specific period of time.

Benefits: You decide if you want account automatically renewable; only $500 minimum opening deposit

Fees: Only $500 minimum opening deposit

For business customers who want to deposit $100,000 or more and want guaranteed returns within a specific period of time..

Benefits: Earn high interest on daily balance; rate and term negotiated before opening