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Minimum Balance Account

You must deposit $100.00 to open this account.  If balance falls below $500.00 on any day in the monthly statement cycle, a $9.00 balance fee will be assessed.

Basic Checking Account

You must deposit $100.00 to open this account.  No minimum balance required.  A maintenance fee of $4.50 will be charged for up to 15 checks per statement cycle.  A .25 debit item fee will be assessed for each additional check in excess of 15 presented during the statement cycle.

Campus Account

This account is for full-time students ages 13-25.   No monthly service charge.  The first order of wallet checks is free.  A student VISA card is available with an approved application.  Overdraft protection available and a service charge free savings account.

Personal NOW Account

You must keep a minimum balance of $1000.00 for no balance fee.  If balance falls below $1000.00 a $6.00 balance fee will be assessed along with .25 for each additional check or debit.

Personal Money Market Account

Six free withdrawal transactions per month, six of which may be checks to other parties.  A $5.00 fee will be assessed for each withdrawal over six per statement cycle.

Rate tiers:  $100 to $49,999 Announced Rate
                 Over $50,000 Announced Rate
                 Below $1,000 - $5 per month Basic Fee

Presidents Club

This type of club is for our customers 50 years of age and older.  The Presidents Club offers:

- Unlimited check writing privileges
- VISA card with no annual fee
- Travelers Checks - no fee
- $10 off Safe Box annual rent
- Preferred access to The Waycross Room
- Interest earned on NOW account rate on daily balance of $100 or more.

Statement Savings Account

You must have an initial minimum deposit of $100.   Interest is paid at our announced rate on daily balance of $100 or more, compounded and paid quarterly.

A balance fee of $5 will be imposed every statement cycle if the account balance falls below $500 any day of the cycle.

A debit item fee of $3 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a quarter.  Accounts open for less than 6 months are subject to a $10 close-out fee.

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