Savings & Club Accounts

                  Regular Passbook Savings Account - Variable                               

• Minimum balance to open is $25.00
• We may change the interest rate for this account at any time
• Interest will be credited into account quarterly and compounded quarterly
• If you close your account before interest is paid,  you will not receive the accrued interest
• If your balance falls below $25.00 on any day in the month, your account will be subject to a
  $1.00 service charge for that month
• An excess passbook savings withdrawal fee of $1.00 will be charged for each withdrawal in excess of
  six during a calendar quarter
• Interest will begin to accrue on the business day you deposit noncash items (for example, checks)
  into your account
• Transfers from a Savings account to another account or to third parties by preauthorized, automatic,
  telephone, or Internet transfers are limited to six per calendar month
• Unlimited deposits
• Unlimited use of Touch Tone Teller
• Unlimited Internet Banking access

              Club Accounts

We have Vacation and Christmas Club accounts in a variety of denominations to meet your needs.

With a Vacation Club you can save for that dream vacation, pay income taxes, property taxes, country club dues,
pool fees, or graduation gifts.  Or save with our Christmas Club and be able to buy the gifts you want without using a
credit card to pay for Christmas!

• If your club account has the maximum required deposits before maturity, we will make an additional
  payment of that amount as a bonus for completing your club
• The minimum deposit is one payment of the denomination of the club account
• Withdrawals before maturity will be charged a penalty of the amount of one payment of the club
• Unlimited use of Touch Tone Teller
• Unlimited Internet Banking access

Please contact a New Accounts representative at your branch for information concerning club accounts.  Vacation
Clubs open and pay out in the Spring, and Christmas Clubs open and pay out in late fall. 

                                                          Member FDIC