• Regular Checking
• HomeTown Rewards Checking
• Checking Plus
• Passbook Savings
• Money Market Deposit Account (MMDA)
• Health Savings Accounts (H.S.A.)
• Debit/ATM Cards
• Certificates of Deposit
• Christmas Club
• Individual Retirement Accounts

Regular Checking

• No Minimum Opening Balance
• Monthly Statement
• Unlimited Transactions
• Non-Interest Bearing
• No Monthly Balance Requirement
• Free Online Banking
• Free ATM/Debit Card (*)

(*) Subject to Approval

HomeTown Rewards Checking

• $100 Minimum Opening Balance
• Monthly Electronic Statement
• Unlimited Transactions
• No Monthly Balance Requirement
• Interest Paid on Tiered Balance Scale
• Competitive Interest Rate
• Free Online Banking
• Free ATM Debit Card
• ATM Fee Refunds (*)

(*) Requirements must be met
           12 Check Card Transaction Per Statement Cycle
           1 Direct Deposit or ACH Auto Debit Per Statement Cycle
           Enroll and Receive Electronic Statements

Checking Plus

• $1,000 Minimum Opening Balance
• Monthly Statement
• Unlimited Transactions
• Interest Paid on Tiered Balance Scale
• $1,000 Monthly Average Balance Required
• $10.00 Monthly Fee if Average Balance is Not Maintained
• Free Online Banking
• Free ATM/Debit Card (*)

(*) Subject to Approval

Passbook Savings

• $50.00 Minimum Opening Balance (*)
• Annual Statement (**)
• Competitive Interest Rates
• Interest Paid to the Account Quarterly
• $200.00 Minimum Balance Required Per Quarter
• $3.00 Quarterly Charge if Minimum Balance is Not Maintained

(*) Waived for Minors (**) More often in the case of Electronic Transactions

Money Market Deposit Account (MMDA)

• $2,500 Minimum Opening Balance
• Monthly Statement
• Limited to 6 Transactions Per Month (Max. of 3-Third Party)
• Interest Paid on Tiered Balance Scale
• $2,500 Monthly Average Balance Required
• $10.00 Monthly Fee if Average Balance is Not Maintained
• Free Online Banking
• Interest Paid Monthly

Health Savings Accounts (H.S.A.)

• $100.00 Minimum Opening Balance
• Monthly Statement
• Competitive Interest Rates
• Interest Paid to the Account Monthly
• Unlimited Transactions

Debit/ATM Cards 

MasterCard ATM/Debit Cards are available to checking account customers upon approval. These cards can be used with a Personal Identification Number (PIN) at ATMs as well as retail locations. These cards can also be used for making numerous retail purchases. These cards are similar to credit cards with the exception that  these purchases and transactions are charged directly to your designated deposit account and are listed in detail on your statement, rather than being charged to an established credit line.

Certificates of Deposit

• Various Terms
• Competitive Interest Rates
• Flexible Interest Options

Christmas Club

• Flexible Payment Plans
• Interest Paid on Daily Balance
• Auto Pay from Another Account
• Checks Issued Around November 1st

Individual Retirement Accounts

• Various Plans Offered
• Regular/Spousal
• SEP
• Roth
• Transfers
• Rollovers
• Educational
• Variety of Deposit Options Available