For personal and/or business customers who want a savings account that earns interest and offers instant access with no charge for personal in-branch deposits.

Benefits: Earn high interest on daily balance; up to 4 free withdrawals ($1 per withdrawal thereafter, except at our ATM’s)

Fees: The fee at each monthly statement cycle is $3.00, unless you maintain a minimum daily balance of $300 in the account, or $5,000 in all your personal accounts under the same ownership. This fee is not charged to accounts owned by or for the benefit of a minor. For each withdrawal in excess of 4 during the month, a fee of $1.00 will be charged. ATM, ACH, NetTeller or automatic transfer withdrawals are not counted in this limitation. Minimum balance to open accoaunt is $100.

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

Benefits: Automatically renewable; only $500 minimum opening deposit

For customers who want a plan to help save for holiday gift shopping.

Benefits: Regular pre-determined deposits

Fees: Fees: Interest lost on premature withdrawals

For customers who want to set aside money for retirement.

Benefits:

Tax benefits; FDIC Insured

Fees:

Minimum opening balance: $500 

Setup Fee: $25.00 

Annual Fee: $25.00, waived if minium balance is $25,000 or greater.

For the customer that wants to earn a higher interest rate for a fixed period of time, and wants the flexibility of adding-on to their certificate of deposit at any time.

Benefits:

There's no need for numerous CD's, it's great for any reason from college to retirement.

Fees:

Minimum opening balance of $500.  No fee applies if CD is held until maturity, 365 days.