Personal Banking

OUR BUSINESS DAY NOW ENDS AT 5:00 PM CENTRAL TIME - MONDAY -FRIDAY

 

Personal Checking

No Monthly Service Charge
$50.00 Minimum Opening Balance
Unlimited check writing 

Interest Bearing Checking Account *

$1,000.00 Minimum Opening Balance
Must maintain a Minimum Average Daily Balance of $1,000.00 to avoid service charge.
Statement Cycle Service Charge, $15.00 (if minimum balance requirement is not maintained)
Unlimited Check Writing

Money Market Account (Interest Bearing Account)*

$2,500.00 Minimum Opening Balance
Must maintain a Minimum Average Daily Balance of $2,500.00 to avoid service charge.
Statement Cycle Service Charge, $15.00 (if minimum balance requirement is not maintained)
6 Withdrawals per statement cycle
A Per Debit Charge for each withdrawal in excess of 6 per statement cycle, $20.00

 

Regular Savings (Interest Bearing Account)*

$200.00 Minimum Opening Balance
Must maintain a Minimum Average Daily Balance of $200.00 to avoid service charge
Statement Cycle Service Charge, $10.00 (if minimum balance requirement is not maintained)

A Per Debit Charge for each withdrawal in excess of 6 per statement cycle, $10.00

Junior Savings (Interest Bearing Account)*

** The Primary Account Holder must be below the age of 18.
No Monthly Service Charge
No Minimum Balance Requirement
A Per Debit Charge for each withdrawal in excess of 6 per statement cycle, $10.00.

Silver Savings (Interest Bearing Account)*

** The Primary Account Holder must be at least 55 years of age.
No Monthly Service Charge
No Minimum Balance Requirement
A Per Debit Charge for each withdrawal in excess of 6 per statement cycle, $10.00

 

Christmas Clubs**

Pick a weekly deposit amount from our current Christmas Club account disclosure.  Make that weekly deposit amount into the Christmas Club account for no more than 50 weeks.  If all 50 weekly deposits are made by the end of the program without falling 6 weeks behind; the bank will make a one time deposit into the account for ½ the weekly denomination amount per the terms of the account disclosure.  Christmas Clubs typically begin in late October or early November each year and are only available for opening for a select number of weeks.  At the end of the 50 week club program a check will be issued to the account holder for the balance of the account plus the bank’s deposit (if applicable).  The account holder will have the money saved just in time for the holiday season!  Please contact a bank representative for more information.

Vacation Clubs**

Pick a weekly deposit amount from our current Vacation Club account disclosure.  Make that weekly deposit amount into the Vacation Club account for no more than 50 weeks.  If all 50 weekly deposits are made by the end of the program without falling 6 weeks behind; the bank will make a one time deposit into the account for ½ the weekly denomination amount per the terms of the account disclosure.  Vacation Clubs typically begin in early April each year and are only available for opening for a select number of weeks.  At the end of the 50 week club program a check will be issued to the account holder for the balance of the account plus the bank’s deposit (if applicable).  The account holder will have the money saved just in time for summer vacation!  Please contact a bank representative for more information.

 

CDs & IRAs (Interest Bearing Accounts)*

We offer a variety of CD and IRA accounts
Please contact a bank representative for more information
Current rates for these accounts are shown under the rates tab on this website

 

Loans*

We offer residential, farm, vehicle, commercial, and personal loans.
Please contact a loan officer at any of our locations for more information and current rates

*Interest rates are subject to change at any time at bank’s discretion.
** As defined in Account Disclosures

For additional terms and conditions on any account, please contact a bank representative.

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