Checking Accounts

FREEDOM CHECKING

Initial Deposit of only $250.00 to open your account
No Monthly Maintenance fees as long as the minimum balance is kept above
$750.00. If below, there is a Monthly Maintenance Fee of $8.00 plus a Debit
and Credit Transaction Fee of $.20 for each debit and credit transaction.
Transit item fee of $.075 for each transit item deposited.
Free Internet and Telephone Banking 24 hours a day.
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Free Check Card
Bill Pay Available (Click here to learn More)

Initial Deposit of only $250.00 to open your account
Variable rate of interest
Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.
Interest is compounded and credited to your account each statement cycle
No Monthly Maintenance fees as long as the Average Daily Balance is kept
above $1500.00. If below, there is a Monthly Maintenance Fee of $8.00 plus
a Debit and Credit Transaction Fee of $.20 for each debit and credit
transaction. A Transit Item Fee of $.075 will be charges for each Transit
Item Deposited
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Free Check Card
Bill Pay Available (Click here to learn More)

The American Classic account is for those individuals who are 55 years of age and older. The following benefits apply:

Only $100 to open the account.
Free American Classic checks or a 30% discount on other styled checks.
Unlimited check writing privileges.
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Free rental on a 3 x 5 safe deposit box. Larger sizes will be provided at an annual discount of 50% off standard bank rental fees.
Free official checks.
Premium rates on CD's for terms of 1 year or less.
If the combined average daily balance of all related accounts is $5,000 or more, the monthly service fee of only $10 will be waived.
American Classic is a variable rate account, which means that the interest rate and annual percentage yield may change. The interest will be paid at the current rate for the following tiered rate structure: (Balances listed refer to American Classics account balance)

                 Tier I $0 - $9,999
                 Tier II $10,000 - $49,999
                 Tier III $50,000 or more

Initial Deposit of only $1000.00 to open your account
Variable Rate of Interest
Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.
Interest is compounded monthly and paid to your account monthly
A Debit Fee of $.50 will be charged for the first six (6) debits to your account during a statement cycle
Federal Reserve Regulation requires no more than six transfers or withdrawals per month or statement cycle - A debit fee of $3.00 is imposed for each debit transaction in excess of six per month.
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ATM Card Available