Deposit Accounts

Personal Banking

Commercial Banking

Deposit Accounts

Personal Banking

 Essential CheckingeCheckingMasterpiece CheckingNOW CheckingPersonal Money Market
Minimum Opening Deposit$100.00$100.00$100.00$100.00$100.00
Monthly Maintenance Fee$5.00If account requirements are not met, a fee of $5.00 will be applied monthlyNoneIf account requirements are not met, a fee of $14.00 will be applied monthlyIf account requirements are not met, a fee of $12.00 will be applied monthly
Interest Paid on BalancesNoNoNoYesYes; Tiered Interest Schedule
Withdrawal/ Check Writing LimitationsUnlimitedUnlimitedUnlimited transactions, and up to 15 checks per month; $.25 per check in excessUnlimitedLimited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month; $15.00 per transaction in excess
Account Features

- Online Banking
- Online BillPay*
-E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit
*up to 25 per cycle

- Online Banking
- Online BillPay*
-E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit
*up to 25 per cycle

 

- Online Banking
- Online BillPay*
-E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit
*up to 25 per cycle

 

 

 

- Online Banking
- Online BillPay*
-E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit
*up to 25 per cycle

 

- Online Banking
- Online BillPay*
-E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit
*up to 25 per cycle

 

 

 

 

 

 Statement SavingsSafety Net SavingsAcorn SavingsCertificates of DepositIndividual Retirement
Account CDs
Minimum Opening Deposit$100.00$10.00$10.00$1,000.00$1,000.00
Monthly Maintenance FeeIf account requirements are not met, a fee of $3.50 will be applied monthlyIf account requirements are not met, a fee of $3.50 will be applied monthlyNoneNoneNone
Interest Paid on BalancesYesYesYesYesYes
Withdrawal/Check Writing LimitationsLimited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month; $1.50 per withdrawal in excess1 withdrawal per month; $1.50 per withdrawal in excessLimited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month; $1.50 per withdrawal in excessIf you withdraw any of the principal before the maturity date, we may impose a penaltyWith the exception of regular distributions (over the age of 59 1/2), if you withdraw any of the principal before the maturity date, we may impose a penalty
Account Features- Online Banking
- Online BillPay*
-E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit
*up to 25 per cycle

- Online Banking
- Online BillPay*
-EStatements
- Bank-by-Phone
- Direct Deposit
- Direct Debit
*up to 25 per cycle

- Available to children ages 0-18 years
- Unlimited deposits

 

 

 

- Online Banking
- E-Statements

 

 

 

 

- Online Banking
- E-Statements

 

 

 

 

 

 

 

GreenLeaf Checking

GoldLeaf Money Market 

Minimum Opening Deposit $100.00$100.00
Monthly Maintenance FeeIf account requirements are not met, a fee of $5.00 will be applied monthly If account requirements are not met, a fee of $15.00 will be applied monthly 
Interest Paid on BalancesNo Yes: Tiered Interest Schedule 
Withdrawal/Check Writing LimitationsUnlimited Limited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month; $15.00 per transaction in excess
 Account Features- Online Banking
- Online BillPay*
- E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Deposit
- Direct Debit 
- Online Banking
- Online BillPay*
- E-Statements
- Bank-by-Phone
- ATM/Debit Card
- Direct Debit
*up to 25 per cycle
 

Commercial Banking Product Chart

 Small Business CheckingCommercial CheckingMoney Market
Minimum Opening Deposit$100.00$100.00$100.00
Account RequirementsNone Minimum Daily Balance of $2,500.00
Monthly Maintenance FeeNone$20.00If account requirements are not met, a fee of $12.00 will be applied monthly
Interest Paid on BalancesNoNoYes
Withdrawal/Check Writing LimitationsWrite up to 75 checks/ACH debits per month;
$.50 per check/ACH debit in excess
$.20 per checklimited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month;
$15.00 per transaction in excess
Deposit LimitationsDeposit up to 75 checks/ACH items per month; $.50 per check/ACH item in excess$.50 per credit, and $.10 per on-us item and $0.17 per not-on-us item deposited 
Account Features

- Online Banking
-E-Statements
- Business Debit Card: A business debit card will be provided at no cost for the first year. A $10 fee will be applied annually after the first year.
- Bank-by-Phone


- Online Banking
-E-Statements
- Bank-by-Phone
Earnings credit will be applied monthly to reduce account fees. The earnings credit will be calculated by applying the earnings credit rate to the average daily available balance, less maximum reserve requirements assessed by the Federal Reserve, in the account for the statement cycle. The earnings credit cannot exceed your total account fees.

- Online Banking
-E-Statements
- Bank-by-Phone
- Business Debit Card (annual fee applies)

 

 

 

 Commercial Savings AccountNonprofit Interest Bearing CheckingCertificates of Deposit
Minimum Opening Deposit$100.00$100.00$1,000.00
Account RequirementsMinimum Daily Balance of $300.00 or an Average Daily Balance of $1000.00No MinimumNone
Monthly Maintenance FeeIf account requirements are not met, a fee of $3.50 will be applied monthlyNo FeeNo Fee
Interest Paid on BalancesYesYesYes
Withdrawal/Check Writing Limitationslimited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month;
$1.50 per withdrawal in excess
No LimitIf you withdraw any of the principal before the maturity date, we may impose a penalty
Deposit Limitations No LimitNot Available
Account Features

- Online Banking
-E-Statements
- Bank-by-Phone

 

- Online Banking
-E-Statements
- Bank-by-Phone
- Business Debit Card (annual fee applies)

- Online Banking
-E-Statements
- Bank-by-Phone

 

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