ONLINE BANKING
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Effective as of 3/29/2023

Individual Retirement Account (IRA) Certificate of Deposit*

Term Interest RateAnnual Percentage Yield (APY)Minimum balance to open an account and obtain the APY
Term
18 Month Variable Rate IRA
Interest Rate
3.25%
Annual Percentage Yield (APY)
3.30%
Minimum balance to open an account and obtain the APY
$100
Term
18 Month Fixed Rate IRA
Interest Rate
3.25%
Annual Percentage Yield (APY)
3.30%
Minimum balance to open an account and obtain the APY
$500
Term
36 Month Fixed Rate IRA
Interest Rate
3.75%
Annual Percentage Yield (APY)
3.82%
Minimum balance to open an account and obtain the APY
$500

Certificate of Deposit Specials*

TermInterest RateAnnual Percentage Yield (APY)Minimum balance to open an account and obtain the APY
Term
5 Month Special
Interest Rate
5.00%
Annual Percentage Yield (APY)
5.10%
Minimum balance to open an account and obtain the APY
$5,000
Checking Account Required
Term
11 Month Special
Interest Rate
4.52%
Annual Percentage Yield (APY)
4.60%
Minimum balance to open an account and obtain the APY
$5,000
Checking Account Required

* Variable rate may change after the account is opened.
* At maturity, the CD will automatically renew to the same term and the current rate in effect at that time.
* A penalty may be imposed for early withdrawal.
* Interest rate subject to change without notice.
* Fees can reduce earnings on this account

Personal Banking Schedule of Fees

Personal Banking Schedule of Fees

Account Closing Fee
if closed within 90 days of opening the account
$25
Account Confirmation / Verification
(third party inquiries)
$10
Back-up withholding remittance fee$2 per month
Express Banking 24 Card / Visa Debit Card
ATM / Debit Card Replacement Fee$3
Foreign ATM Withdrawal Fee$2
Surcharge For Non-Customers$2 per w/d
Cashier Checks
Customer$6
Chargebacks Per Item$5
Collections
Domestic$20
Foreign$25
Counter Checks$0.50
Customer Account BalancingWaive first time $10 per account
Deposit Corrections$3 each
Dormant Account Fee$3 per month
Escheat Fee Per Remittance$10 per account
Foreign Currency PurchaseCurrent Exchange Rate
Gift Cards$3.50 maximum $750
Personal Online Banking Services
Bill Payment No Charge
Online Banking No Charge
Non-Depositor Check Cashing Fee
Tax/Rapid Refunds$10 Or 2% Of Check
All Other Checks $10
Overdraft/Return Item Fee $35.00 (No fee will be assessed on ATM and debit card transactions)
For Non-Sufficient Funds Check Research
Per Item$1.50 front - $2 Front & Back
Per Hour $25
Copies Of Statement/Statement Printout$3/Statement
Safe Deposit Box Rental (Per Year)
3x5x24
Customer $37
Non-Customer $42
3x10x24
Customer $42
Non-Customer$57
5x10x24
Customer$52
Non-Customer$67
7x10x24
Customer$62
Non-Customer$82
Loss Of 1 Key$40
Loss Of 2 Keys$75
Special Handling
Special Statement Cutoff$20
Statement Copy$3
Statement Print-out (2 free per month).$1
Check Images With Statement $5
Stop Payment
In Branch$32
Online$26
Telephone TransfersNo Charge
Wire Transfer
Domestic
Incoming $15
Outgoing $20
International
Incoming $48
Outgoing$48
Business Banking Schedule of Fees

Business Banking Schedule of Fees

Currency Deposited & Sold per $1000 $1
Coin Deposited & Sold Per Roll $.10
MSB Monthly Account Maintenance $.10
Night Depository Service (per drop) $2
Night Deposit Bag (with key) $20
Deposit Corrections $3
Returned Items
Special Instructions (per account) $10
Charged Back To Account $5
Pick-Up Charge Backs $5
Returns Re-entered $3
Online Banking Business
ACH Credit Or Debit Originated Per Item $0.10
Monthly File Fee $30
ACH Returned Item $3
Online Bill Payment No Charge
Online Stop Payment $26
In-House Stop Payment $32
Security Tokens 2 Users No Cost. Replacement/Additional Per Token Cost - $12 Each For Additional Users
Positive Pay
Monthly Maintenance $40
Suspect Item (per item) $0.10
Remote Deposit Capture
ScannerCost Varies
Sweep Accounts (per month) $125
Account Closing Fee
If Closed Within 90 Days Of Account Opening
$25
Account Confirmation/Verification
(third party inquiries)
$10
Back-up withholding remittance fee $2 per month
Express Banking 24 Card / Visa Debit Card
ATM / Debit Card Replacement Fee $3
Foreign ATM Withdrawal Fee $2
Surcharge For Non-Customers $2 per w/d
Cashier Checks
Customer$6
Chargebacks Per Item $5
Collections
Domestic $20
Foreign $25
Counter Checks $0.50
Customer Account Balancing Waive first time $10 per hour
Deposit Corrections $3
Dormant Account Fee $3
Escheat Fee Per Remittance $10
Foreign Currency Purchase Current Exchange Rate
Gift Cards $3.50 maximum $750
Levy / Garnishment $75
Money Orders
Customer$3
Overdraft/Return Item Fee $35.00
For Non-Sufficient Funds Check Research
Per Item $1.50 front - $2 Front & Back
Per Hour $25
Statement Research Copy $1
Safe Deposit Box Rental (Per Year)
3x5x24
Customer$37
Non-Customer $42
3x10x24
Customer $42
Non-Customer $57
5x10x24
Customer$52
Non-Customer $67
7x10x24
Customer$62
Non-Customer $82
Loss Of 1 Key $40
Loss Of 2 Keys $75
Late Fee After 60 Days $10
Late Fee After 90 Days $15
Statement
Special Statement Cutoff $20
Statement Copy $3
Statement Print-out (2 free per month). $1
Stop Payment
In Branch $32
Online$26
Telephone Transfers No Charge
Wire Transfer
Domestic
Incoming $15
Outgoing$20
International
Incoming$48
Outgoing$48