Online Banking Login Security Statement

Savings Accounts

Regular Savings – Consumer & Business

Rate information- At our discretion, we may change the interest rate for this account.  Contact Customer Service  to obtain current rate information. The interest rate and annual percentage yield may change at any time.
Compounding frequency- Interest will be compounded quarterly.
Crediting frequency- Interest will be credited into this account quarterly.
Daily balance computation method- Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum balance to open- The minimum balance required to open this account is $100.00. There is no Minimum balance requirement to open this account for a minor.
Deposit Limitations-You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers
- during any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Money Market Savings – Consumer & Business

Rate information- At our discretion, we may change the interest rate for this account. Contact Customer Service to obtain current rate information. The interest rate and annual percentage yield may change at any time.
Compounding frequency- Interest will be compounded monthly.
Crediting frequency- Interest will be credited into this account monthly.
Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash Items ( for example, checks) into your account.
Minimum balance to open- The minimum balance required to open this account is $1,000.00.
Minimum balance to avoid Flat Service Charge- A Flat Service Charge fee of $7.50 will be imposed every monthly statement cycle unless you maintain a minimum average daily balance of $1,000.00 for that monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Deposit limitations- You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers- During any calendar month, you may not make more than six withdrawals or transfers  to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Christmas Club Savings - Consumer

Rate information- At our discretion, we may change the interest rate for this account. Contact Customer Service to obtain current rate information. The interest rate and annual percentage yield may change at any time.
Compounding frequency- Interest will be compounded annually.
Crediting frequency- Interest will be credited into this account annually.
Effect of closing an account-If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Deposit limitations- You may make an unlimited number of deposits into your account.
Club account withdrawal limitations- If any withdrawal(s) is/are made from this account before November 1st, then this account may be closed.
Limitations on frequency of transfers- During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

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