| |
|
|
Our Personal Savings Accounts |
| |
Explore our various Savings accounts and select the one that's right for you. When you are ready to open an account please visit one of our offices. |
|
Savings Accounts |
|
|
|
| |
|
| |
Value Savings |
|
• Interest rate - variable
• Minimum opening deposit - $50
• No service charge with balance of at least $50
• Service charge - $2 per statement (When balance falls below $50)
• Number of withdrawals - 3 per month / 9 per quarter ($2 per additional)
• ATM Card available
• Free NetTeller - Internet Banking
• Free eStatements |
|
| |
|
| |
Student Savings |
|
• Interest rate - variable
• Minimum opening deposit - $25
• No minimum balance required
• Service charge - $0
• Number of withdrawals - 3 per month / 9 per quarter ($2 per additional)
• ATM Card available
• Free NetTeller - Internet Banking
• Free eStatements |
|
| |
Premium Money Market |
|
• Interest rate - tiered and variable
• Minimum opening deposit - $10,000
• Service charge - $0
• No minimum balance required
• Unlimited Deposits
• Limited transactions*
• Debit Card available*
• Free NetTeller - Internet Banking
• Free eStatements
• Eligible for No Bounce Advantage™ - $2,500
* Transactions are limited to a maximum of six per month. No more than three of the six may be by check, draft, debit card, or similar order made to third parties. ACH debits and transfers are limited to the maximum six. There will be a $5 charge for each transaction that exceeds the maximum six. ATM withdrawals are not limited.
|
|
| |
Liquid Investment |
|
• Interest rate - tiered and variable
• Minimum opening deposit - $2,500
• No service charge with balance of at least $2,500
• Service charge - $10 per month (When balance falls below $2,500)
• No minimum balance required
• Unlimited Deposits
• Limited transactions*
• Debit Card available*
• Free NetTeller - Internet Banking
• Free eStatements
• Eligible for No Bounce Advantage™ - $2,500
* Transactions are limited to a maximum of six per month. No more than three of the six may be by check, draft, debit card, or similar order made to third parties. ACH debits and transfers are limited to the maximum six. There will be a $5 charge for each transaction that exceeds the maximum six. ATM withdrawals are not limited.
|
|
| |
Health Savings Accounts (HSAs) |
|
|
HSAs are interest bearing checking accounts accessible by a debit card. They are also tax-favored accounts designed to help individuals who are covered by high deductible health plans, and pay medical expenses for themselves, their spouses and their dependents.
Who is eligible?
HSAs are available to individuals covered by a High Deductible Health Plan. Individuals cannot be covered by any other insurance that is not HSA qualified. Coverage must be in effect the first day of the month.
Qualified expenses:
HSA funds can be used for the expense of anyone in the immediate family, even if they are not covered under the same HSA-qualified insurance as the account holder. A list of qualified expenses may be found in IRS Publication 502, available from the IRS website.
Benefits of an HSA:
HSAs can provide significant tax benefits. Not only can they provide tax benefits related to paying qualified medical expenses, they may also serve as additional income for retirement.
Call 606-348-8411 for more information.
|
|
| |
| |
Certificate
of Deposit |
|
• We offer competitive rates and terms
• Please call us for more information. |
|
|
| |
| |
Individual
Retirement
Account |
|
• We offer Traditional, Roth, Sep or Education IRA's
• Stop by any of our locations to open an IRA. |
|
| |
Christmas Club |
|
| • Stop by any of our locations to open a Christmas Club Account. |
|
| |
|
|
Direct Deposit |
|
We provide Direct Deposit services to employers wanting to deposit their employees pay directly into their bank account.
Employee Benefits:
• Convenient and quick access to funds using a Debit Card
• No hassle of cashing payroll checks
• No worry of lost or stolen checks
• Your money is deposited even if you can't make it to the bank
• Verify deposits any time with BANKLine or NetTeller
Employer Benefits:
• No payroll checks to write
• Streamline the payroll process
• Easy setup
• Very affordable
Call 606-348-8411 for more information. |
|
| |
NetTeller - Online Banking |
|
|
NetTeller, our Online Banking service will allow you to access your accounts over the Internet 24 hours a day. You can view your account history, transfer funds and much more.
• View deposit and loan account information
• Obtain specific check information
• Obtain specific loan payment information
• Transfer funds between accounts
• Make loan payments
• View and print items on your statements |
|
| |
eStatements - Online Account Statements |
|
|
With
eStatements you'll receive an email notice when your account statement cycles. Instead of the paper statement you once received, you'll have the convenience of accessing your account statements via NetTeller our online banking service.
• Same as paper but you receive them online
• View, print or save the E-Statement to your hard drive
• Access is quick and easy
• eStatements are free |
|
| |
BANKLine - Telephone Banking |
|
Our telephone banking service, BANKLine is available 24 x 7 for access to account information such as balance and transaction history. BANKLine is available with all of our checking, savings and loan accounts.
Local: 606-348-7788
Toll Free: 888-399-0976 |
|
| |
|
|
No one wants to face the embarrassment or humiliation of having a check returned due to insufficient funds. Now with No Bounce Advantage™ you won't have to. No Bounce Advantage™ can serve as your personal safety net for those times you run a little short of cash in your checking account.
• Overdrafts honored for accounts in good standing
• Normal overdraft item charge for each transaction applies - $25
• No interest charged on overdraft balance
Call 606-348-8411 for more information. |
|
| |
