Checking | Savings | Fees & Charges

Savings Accounts

Ideal Savings Account – must have an Ideal checking account

• Earns higher interest than a regular savings account
• Interest paid and credited to your account monthly
• Combined statement with Ideal Checking
• 2 withdrawals per month. $2.00 per withdrawal/transfer thereafter
• See benefits of Ideal Checking

Regular Savings Account

• $100.00 is required to open savings accounts
• $5.00 monthly fee if balance falls below $100.00 
• Interest paid and credited to your account quarterly
• Statements printed quarterly unless you have an EFT then a snapshot statement will be sent for that month     
• Allowed 3 withdrawals per quarter.  $4.00 per withdrawal/transfer thereafter 

Minor Savings Account

• Must be less than 18 years of age
• Interest paid and credited to your account quarterly 
• Statements printed quarterly unless you have an EFT then a snapshot statement will be sent for that month     
• Allowed 2 withdrawals per quarter.  $6.00 per withdrawal/transfer thereafter

Christmas Club Account

• $10.00 is required to open account
• No service charge
• For your convenience we offer automatic transfers from your checking account
• Checks are issued last day of October

Vacation Club Account

• $10.00 is required to open account
• No service charge
• For your convenience we offer automatic transfers from your checking account
• Checks are issued last day of April

Money Market Account

• $1,000.00 to open
• Above $1,000.00 – No Monthly Maintenance Charge
• $1,000.00 or below – $6.00 fee
• Interest Accrues On Collected Balance – Paid Monthly
• 6 debits per month allowed via check, telephone, or internet banking
• Over the counter (in person) transactions are not limited
• $20.00 charge per item in excess of allowable transactions

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