Personal Checking & Savings

Checking

From everyday spending to longer-term saving, flexible deposit accounts are available to guide your finances while ensuring funds are accessible.

Cash Back Checking

You're using your debit card anyway, so why not let those purchases earn a little extra cash?

$100 minimum opening deposit.
Minimum to avoid $5 monthly maintenance charge: $500 daily balance.*
Competitive interest.
.50% Cash Back on signature-based transactions.**
$250 maximum cash back per statement cycle.
No transaction limit.
Debit card required.
iPay available.***
Bounce Protection overdraft privilege available up to $400.***
Electronic statements with check images available at no charge. Paper statements with check images available for $5 monthly fee.*

Premium Checking

Designed for customers who maintain higher account balances, this option is paired with a competitive interest rate and the standard services that maximize convenience.

$750 minimum opening deposit.
Earns interest at competitive rate.
Minimum balance of $750 to avoid a $7 monthly service charge.
No fee for first 50 checks presented for payment per statement cycle; 25¢ fee per check thereafter.
Electronic or paper statement available with return of check images.
Debit Card and NetBanker with iPay* available.
Bounce Protection overdraft privilege available for up to $500.***

Prestige Checking

This flexible account option is exclusively available to customers age 50 and above.

$100 minimum opening deposit.
Checking designed especially for those 50 years of age and above.
Earns interest at competitive rate with balance of $500 or more.
No minimum balance requirement or per check charge.
No monthly service charge.
Electronic or paper statement available with return of check images.
Debit Card and NetBanker with iPay* available.
Bounce Protection overdraft privilege available up to $400.***

Totally Free Checking

Skip the fees and enjoy a straightforward account.

$100 minimum opening deposit.
No minimum balance requirement.
No monthly service charge or per check charge.
Electronic or paper statement available without check images.
Debit card and NetBanker with iPay* available.
Bounce Protection overdraft privilege available for up to $100.***

Money Market Checking

As your balance grows, earn a higher interest rate on your savings. While transactions are limited each month, you will maintain access to your funds.

$1,500 minimum opening deposit.
Interest rate determined by balance in account:
- Level 1: daily balance of $1.00 to $9,999.99
- Level 2: daily balance of $10,000 to $24,999.99
- Level 3: daily balance of $25,000 or more
Interest compounded and credited monthly.
Minimum balance of $1,500 to avoid a $15 monthly service charge.
Transfers to another account or to third parties by check, preauthorized, automatic or telephone transfers are limited to six per monthly statement cycle. A $10 fee is assessed for exceeding this limit.
Electronic or paper statement available with return of check images.

*Fees could reduce the earnings on the account.

**If PIN is entered, the transaction is not signature-based. Some merchants force transactions less than $100 through as PINNED transactions, which is beyond your control.

***Each overdraft event will incur a $23 fee. At our discretion, we can pay overdrafts for checks and other transactions that use your account number, Automated Clearing House (ACH) transactions, automatic bill payments, preauthorized automatic transfers, telephone-initiated transfers, other electronic transfers, and if authorized by you, ATM and everyday debit card transactions. $2 daily fee for continuous overdraft after four days. We do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined/returned.

Savings

Regular Savings

Whether you are saving for a short-term or long-term need, this basic savings option is a safe place to let your balance increase over time.

$100 minimum opening deposit
Earns interest at competitive rate for each day the balance is $100 or more
Minimum balance of $100 required for each day of the statement cycle to avoid $15 quarterly service charge
Six free withdrawals per quarter; $2 fee per debit transaction thereafter
Electronic or paper statement provided quarterly

Certificates of Deposit

Commit to save funds for a designated period of time and take advantage of a higher interest rate.

Minimum opening deposit of $1,000
Terms available from 31 days to 5 years
Interest rates are guaranteed through maturity
Interest may be paid by check, deposited to a checking or savings account, or added back to the certificate
Automatic account renewal
Current interest rates available from The Bank N.A. Customer Service Representatives
Special rates may be offered for certificates over $100,000
A penalty is assessed for early withdrawal of funds

Individual Retirement Accounts

IRAs are a tax-advantaged way for people with earned income to financially prepare for retirement or future education-related expenses. We offer several IRA options to meet diverse financial needs of proactive savers.

Minimum opening deposit of $1,000
18 month term
Competitive variable interest rate is paid and is adjustable quarterly
Assistance with transfers or rollovers is available
Multiple deposits allowed - contribution limits apply

Traditional IRA

A traditional IRA is designed for individuals who have earned income. Contributions may be fully or partially tax deductible and you benefit from tax-deferred investment growth.

All interest earned is tax-deferred until withdrawal
Minimum distributions are required beginning at age 73
Contributions are allowed after age 73 if individual has earned income
IRS penalties can occur for early withdrawal (prior to age 59 1/2) unless unique circumstances apply to your situation

Roth IRA

A Roth IRA is a retirement plan in which contributions are made after-tax. In exchange for this condition, there may be a tax-free distribution at the time of withdrawal.

All interest earned is tax-deferred until withdrawal
Contributions are allowed after age 73 if individual has earned income
No minimum distribution required beginning at age 73
IRS penalties can occur for early withdrawal (prior to age 59 1/2) unless unique circumstances apply to your situation

Education IRA

An Education IRA or Coverdell Educational Savings Account (CESA) is an investment tool created to help parents pay for the future cost of a child's elementary, secondary or post-secondary education.

Contributions can be made for students under the age of 18
Withdrawals are both tax-free and penalty-free if funds are used for qualified education-related expenses including tuition, fees, books, supplies, and equipment
A person may be limited in the amount of their contribution based upon set adjusted rate gross income levels
Funds must be used by the designated beneficiary by the time the child reaches the age of 30, or transferred to another family member, otherwise earnings will be taxed and subject to an IRS penalty. The age of 30 restriction may be waived for individuals identified as having special needs.

For additional information, consult with your tax professional for details concerning contributions, distributions, tax advantages, and tax laws.

Compare Personal Accounts

	Minimum Opening Deposit	Minimum Balance	Monthly Maintenance Charge	Earns Interest	Transaction Limit
	$100	None	None with minimum balance	Yes	None
	$750	$750	None with minimum balance	Yes	Fee for > 50 checks/debits*
Totally Free Checking	$100	None	None	No	None
	$100	None	None	Yes, on daily collected balances of $500 or more	None
	$1,500	$1,500	None with minimum balance	Yes, a tiered, variable rate with minimum balances	Yes
	$100	$100	None with minimum balance	Yes, with minimum balance	Yes
	$1,000	$1,000	None	Yes	N/A
	$1,000	$1,000	None	Yes	N/A

Disclosure
*Electronic transactions are not subject to this limitation.

Mortgages

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Other Services

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Generations Gold®

View the Benefits

Gain access to all the features you look for in a standard checking account plus additional money-saving benefits.

$100 minimum opening deposit
No minimum balance requirement or per check charge
Complimentary GenGold® membership*
Free personalized checks
Free money orders
20% discount on first year's safe deposit box rental
Bounce Protection overdraft privilege available for up to $400
Electronic or paper statements available with return of check images
Debit card and NetBanker with iPay** available
$8 monthly service fee

Earn interest on your account balance while benefiting from our easy-to-use electronic banking services.

$100 minimum opening deposit
Earns interest regardless of balance:
- Premium rate paid on balances from $1 - $24,999 if account requirements are met***
- Basic rate paid on balances above $24,999 or if account requirements are not met*
No minimum balance requirement or per check charge
Free personalized checks
Debit card and NetBanker required
iPay available**
Electronic monthly statement required
Return of check images, when enrolled in e-Statements
Bounce Protection overdraft privilege available for up to $300

***Minimum of 12 debit card transactions each statement cycle, excluding ATM transactions; valid email address required for each statement cycle; and at least one login to NetBanker per statement cycle.

Banking is made easy with our standard checking account option.

$500 minimum opening deposit
Minimum balance of $500 to avoid a $6 monthly service charge
No fee for first 50 checks presented for payment per statement cycle; 25¢ fee per check thereafter
Electronic or paper statement available with return of check images
Debit card and NetBanker with iPay** available
Bounce Protection overdraft privilege available for up to $300