Online Banking

Notice of Changes

NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Personal Deposit

Checking
Savings
Certificates of Deposit and Individual Retirement Account

Checking

Regular Checking

  • Minimum Opening Deposit $100
  • Monthly Service Charge $5
  • Minimum Daily Balance To Avoid Service Charge $500

(Service charge is waived for persons 60 years of age or older and for full time students)

Club Checking

  • Minimum Opening Deposit $100
  • Monthly Service Charges
    • Legacy $7
    • Legacy Plus $9
    • Legacy Gold $6
    • Legacy Gold Plus $8
  • Free Checks
  • Free cashier’s checks, notary service, and faxing

Now Accounts

  • Minimum Opening Deposit $1,000
  • Monthly Service Charge $10
  • Minimum Daily Balance To Avoid Service Charge $1,000
  • Interest rate is variable

Money Market Checking

  • Minimum Opening Deposit $2,500
  • Monthly Service Charge $10
  • Minimum Daily Balance To Avoid Service Charge $2,500
  • Interest rate is variable
  • You are allowed six pre-authorized withdrawals per statement period. You may make unlimited over-the-counter deposits and withdrawals

Savings

Regular Savings

  • Minimum Opening Deposit $50
  • Interest rate is variable
  • You are allowed six pre-authorized withdrawals per statement period. You may make unlimited over-the-counter deposits and withdrawals

Golden Savings

  • Minimum Opening Deposit $50
  • Interest rate is variable
  • You are allowed six pre-authorized withdrawals per statement period. You may make unlimited over-the-counter deposits and withdrawals
  • Withdrawals at any time other than the first 10 business days of the calendar quarter will be assessed an early withdrawal penalty of 3 months interest on the amount withdrawn

Christmas Club

  • Maximum monthly deposits to not exceed $500
  • No minimum opening balance
  • Balance plus interest dispersed each November
  • No withdrawals permitted without total forfeiture of interest, also results in closed account
  • Must have a current banking relationship

Certificates of Deposit and Individual Retirement Accounts

Certificates of Deposit

  • Terms may vary
  • Minimum Deposit $500 18 month or more term
  • Minimum $2,500 12 months or less available
  • Early withdrawal penalty one month’s interest on CDs 12 months or less
  • Early withdrawal penalty three months interest on CDs 18 months or greater

18 Month Variable IRA

  • $20 minimum deposit
  • Yearly contribution limits apply
  • Penalty assessed if withdrawals taken prior to age fifty nine and a half