Primary
Savings Accounts
Description
l
A minimum deposit and balance of $5.00 is required in this account to
establish membership
l
This accounts is available as an individual, joint or business account.
l Earns
monthly dividends
l Each
account is insured up to $250,000 through ASI.
Features
l Ability
to do inquiries and transactions using the Audio Reponse Teller System,
also
known as the ART System. For more information on using the ART System,
please
...
l
Can also be used for ATM transactions as long as you have a Share Draft
Checking
account established.
l
ATM Transactions from any 5th 3rd bank are free of charge.
Dividends
l Dividends
are compounded daily.
l
Dividend rates are subject to change each quarter.
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Secondary
Savings Accounts
Description
l
An account established for a specific purpose
(i.e.
auto insurance, homeowners insurance, etc...)
l Each
account is insured up to $250,000 through ASI.
Features
l No
minimum deposit is required
l
Earns monthly dividends
Dividends
l Dividends
are compounded daily.
l
Dividend rates are subject to change each quarter.
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Christmas
Club Savings Accounts
Description
l
Save whatever you want monthly for Christmas. This account is
can
additonally accept deposits by cash or check.
l Can
be done using Direct Deposit also, if you have not signed
up for
a Christmas Club account, you can do so now by
..
Features
l No
minimum deposit is required
l
Earns monthly dividends
Dividends
l Dividends
are compounded daily.
l
Dividend rates are subject to change each quarter.
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Share
Draft Checking Accounts
Description
l This
accounts is available as an individual, joint or business account.
l Earns
monthly dividends
l Each
account is insured up to $250,000 through ASI.
Features
l No
minimum balance is required.
l
Courtesy Pay for Overdrafts available for $30.00.
l No
Service FEE's.
l Each
account is insured up to $250,000 through ASI.
Dividends
l Dividends
are not paid on Share Draft Checking accounts.
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Certificate
of Deposit Savings Accounts (CD's)
Description
l These
accounts are used for long-term high yield savings.
l Earns
monthly dividends
l Each
account is insured up to $250,000 through ASI.
l 12
Month Terms Only
Features
l Minimum
deposit of $10,000 at a Rate of 1.00% and APY 1.003%.
l
Minimum deposit of $50,000 at a Rate of 1.25% and APY 1.255%.
l When
your CD is funded you will not be able to add money to your
certificate.
l No
Service FEE's.
Dividends
l Dividends
are paid quarterly.
Early
Withdrawl
l There
will be a service fee for early withdrawl.
Upon
Maturity
l You
have a 10 Day grace period renew the principal or the principal
and
interest at the current rate.
l You
may have your funds deposited to your regular Share Draft
Savings
account.
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| Fee # | Type of Fee | Charge |
Effective
Date
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1
|
Overdraft
on ATM ( ACH, ATM,SD)
|
$30.00
|
1/2/2009
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2
|
NSF
Returns on Items
|
$30.00
|
1/2/2009
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3
|
Courtesy
Pay Fee
|
$30.00
|
1/2/2009
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4
|
Transfer
Fee over 4 per Month
|
$5.00
|
1/2/2009
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5
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Stop
Payment Fee
|
$30.00
|
1/2/2009
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6
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Chargeback
Check Fee
|
$20.00
|
1/2/2009
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7
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Duplicate
Visa or Debit Card
|
$10.00
|
1/2/2009
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8
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Over
5 Checks Withdrawals from Savings
|
$5.00
|
1/2/2009
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9
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Statement
Re-Print
|
$5.00
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1/2/2009
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10
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Loan
Modification Fee
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$35.00
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1/2/2009
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11
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Subordination
Agreement - Home Equity
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$50.00
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1/2/2009
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12
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Re-finance
Fee on Home Equity Loans
|
$500.00
|
1/2/2009
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| 13 |
Accounting
Balance
|
$35
per Hour
|
1/2/2009
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| 14 |
Bank
Checks after 6/Month
|
$5.00
|
1/2/2009
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| 15 |
Close
Christmas Club Early Fee
|
$20.00
|
1/2/2009
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| 16 |
Gift
Cards
|
$2.00
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1/2/2009
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17
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Money
Orders
|
$2.00
|
1/2/2009
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18
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Outgoing
Wire
|
$30.00
|
1/2/2009
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19
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Dormant
Account Fee(Per Month after 5 Yrs.)
|
$10
per Month
|
1/2/2009
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20
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ATM
Card
|
FREE
|
1/2/2009
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21
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ATM
Transactions at 5th/3rd ATM Machines
|
FREE
|
1/2/2009
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22
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ART
(Automated Response Teller) Transactions
|
FREE
|
1/2/2009
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23
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Bill
Pay ( Online )
|
FREE
|
1/2/2009
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24
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Online
Banking
|
FREE
|
1/2/2009
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25
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Financial
Counseling
|
FREE
|
1/2/2009
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26
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Incoming
Wire Transfer
|
FREE
|
1/2/2009
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27
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Notary
Transactions
|
FREE
|
1/2/2009
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28
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Checking
Account Maintenance
|
FREE
|
1/2/2009
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29
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Six
Bank Checks Per Month
|
FREE
|
1/2/2009
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30
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Teller
Transactions
|
FREE
|
1/2/2009
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31
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Travelers
Checks
|
FREE
|
1/2/2009
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