Community Bank

This account is available to all Sole Proprietorship, Non-Profit Organizations, and Government Agencies who by law can have an interest bearing checking account. The interest rate and annual percentage yield may change at any time without notice.

Minimum Balance to Open - $100.00
Monthly maintenance fee - $8.00. To avoid the monthly maintenance fee you must maintain an average monthly balance of $1,000.00
Checks/Items paid - over 100 per month - .12
Each Deposit over 30 per month - .10
Items deposited - .05
Interest accrues on the collected balance in the account
Statement printed monthly
Free Telephone Banking and Internet Banking. Bill Pay Services - $5.95 per month, includes 15 payments. Additional payments per month at .45 each

Overdraft fee may be imposed; the fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable.

Accounts with 50 or more checks/items paid each month, or more than 100 items deposited each month are defined as High Activity accounts. The following charges apply to High Activity Commercial Checking Accounts:

Minimum Balance to open - $100.00
Monthly Maintenance Fee - $10.00
Each Check/Item Paid - .12
Each Deposit Posted - .10
Each Item Deposited - .05
Earnings Allowance *

*Commercial High Activity and Commercial Low Activity accounts have an Earnings Allowance that calculates on the collected balance in the account. This Earnings Allowance can offset all or a portion of your monthly service charges. If the average collected balance is negative, the resulting credit will be negative and will therefore cause the account to show a net loss for the statement cycle. The rate for the Earnings Allowance is set at the bank's discretion.

A negative account balance will accrue an overdraft fee at the rate of 18% beginning on the 6th day of the overdraft and on each consecutive day until the overdraft is paid in full.

Accounts with less than 50 checks/items paid each month or less than 100 items deposited each month are defined as Low Activity accounts. The following charges apply to Low Activity Commercial Checking Accounts:

Minimum Balance to open - $100.00
Monthly Maintenance Fee - $10.00
Each Check/Item Paid - .12
Earnings Allowance *

*Commercial High Activity and Commercial Low Activity accounts have an Earnings Allowance that calculates on the collected balance in the account. This Earnings Allowance can offset all or a portion of your monthly service charges. If the average collected balance is negative, the resulting credit will be negative and will therefore cause the account to show a net loss for the statement cycle. The rate for the Earnings Allowance is set at the bank's discretion.

A negative account balance will accrue an overdraft fee at the rate of 18% beginning on the 6th day of the overdraft and on each consecutive day until the overdraft is paid in full.

This savings account earns interest based on Tiered Rates.

Minimum Balance to avoid service charge - $100.00
Monthly Service Charge - $3.00
9 withdrawals per quarter at no charge.
A minimum balance of $100.00 is required to earn interest.
Statement printed quarterly