Personal Checking & Savings
  • High Trust Checking
  • High Trust Interest Checking
  • High Trust Personal Money Market Account
  • High Trust Savings
Account Features
  • High Trust Checking is available to Individuals, Joint Owners and Trusts 
  • Initial deposit of $100.00 minimum is required to open an account
  • Images of checks will be returned with the monthly statement OR available via e-Statements
  • Free Internet Banking and Bill Pay
  • ATM and VISA Debit Cards available upon request

Account Fees
  • If the daily balance falls below $200.00 during the statement cycle, a base service charge of $5.00 will be assessed plus $0.05 fee for each debit item included in the monthly statement.
  • The monthly base service charge and per debit item fees will be waived if the average daily balance is $500.00 or greater for the statement period. 
  • This account is subject to MISCELLANEOUS FEES AND CHARGES.
Account Features
  • High Trust INTEREST Checking is available to Individuals, Joint Owners and Trusts
  • This account is an interest bearing account.  The interest rate and ANNUAL PERCENTAGE YIELD (APY) will be determined upon the daily balance in the account as published under Current Deposit Rates.  The interest rate may change at the Bank's discretion at any time, and as a result of a change in the interest rate on this account, the ANNUAL PERCENTAGE YIELD (APY) may change. 
  • Interest begins to accrue on the business day of your deposit.  Interest will be compounded daily and will be credited to the account monthly.  If the account is closed before interest is credited, you will receive the accrued interest up to the day that the account is closed.
  • We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the balance in the account each day. 
  • Initial deposit $1,000.00 minimum is required to open this account
  • Images of checks will be returned with the monthly statement OR available via e-Statements
  • Free Internet Banking and Bill Pay
  • ATM and VISA Debit Card available upon request 
Account Fees
  • If the daily balance falls below $1,000.00, a $5.00 base service charge plus $0.05 fee for each debit item will be included in the monthly statement. 
  • The monthly base service charge and per item fees will be waived if the average daily balance exceeds $2,500.00 for the statement period.
  • This account is subject to MISCELLANEOUS FEES AND CHARGES.
Account Features
  • High Trust Personal Money Market Account is available to Individuals, Joint Owners and Trusts 
  • Initial deposit of $2,500.00 minimum is required to open this account
  • Images of checks will be returned with the monthly statement OR available via e-Statements
  • Free Internet Banking and Bill Pay 
  • ATM and VISA Debit Card available upon request
  • Federal regulations limit the number of debit transactions this account may have.  During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized transaction, automatic transfer, or telephonic order, or instruction whether initiated by check, draft or debit card (if applicable) or similar order to a third party.  This includes online banking account transfers and bill payments. Unlimited debit transactions are permitted if made by the account holder by mail through an ATM or by phone if the check is made payable to the account holder.                                         
  • This account is an interest bearing account.  The interest rate and ANNUAL PERCENTAGE YIELD (APY) will be determined upon the daily balance in the account as published under Current Deposit Rates.  The interest rate may change at the Bank's discretion at any time, and as a result of a change in the interest rate on this account, the ANNUAL PERCENTAGE YIELD (APY) may change. 
  • Interest begins to accrue on the business day of your deposit.  Interest will be compounded daily and will be credited to the account monthly.
  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the balance in the account each day.                

Account Fees
  • If the daily balance falls below $2,500.00 during the monthly statement cycle, a $10.00 base service charge will be included in the monthly statement.
  • If the federal regulation's number of limited debit transactions are exceeded during the statement cycle, a fee of $10.00 for each excessive debit will be charged. If you routinely exceed these limitations, the Bank may close the account or convert the account to a checking account.
  • This account is subject to MISCELLANEOUS FEES AND CHARGES

Account Features

  • High Trust Savings is available to Individuals and Minors
  • Initial deposit of $100.00 minimum is required to open an account
  • Federal regulations limit the number of debit transactions this account may have by law which is a maximum of six withdrawals or transfers on this account per quarter.
  • This account is an interest bearing account.  The interest rate and ANNUAL PERCENTAGE YIELD (APY) will be determined upon the daily balance in the account as published under Current Deposit Rates.  The interest rate may change at the Bank's discretion at any time, and as a result of a change in the interest rate on this account, the ANNUAL PERCENTAGE YIELD (APY) may change. 
  • Interest begins to accrue on the business day of your deposit.  Interest will be compounded daily and will be credited to the account monthly.  If the account is closed before interest is credited, you will receive the accrued interest up to the day that the account is closed.
  • We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the balance in the account each day

Account Fees
  • If the daily balance falls below $100.00 during any month, there will be a $2.00 base service charge deducted from the account on the account's calendar quarterly statement. 
  • The Bank allows three free withdrawals per month.  If the number of monthly withdrawals exceed this quantity, your quarterly statement will reflect $1.00 fee per additional debit.
  • This account is subject to MISCELLANEOUS FEES AND CHARGES.
  

 

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