Balance of $1,500.00 or more required to earn interest
No interest is paid on balance less than $1,500.00
A service charge of $8.00 will be imposed if the balance falls below $1,000.00 any day of the statement cycle.
MONEY MARKET ACCOUNTS*
$1,000.00 minimum to open account
Interest bearing account requires $1,000.00 minimum balance for current rates
Interest rates paid on tiers:
$1,000.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 and over
Account is limited to six (6) preauthorized, automatic, or telephone transfers (including Internet banking and bill pay and PC banking payments and transfers) each statement cycle. Of these six (6) allowable transfers, no more than three (3) may be made by check, draft, debit card or similar order made by the depositor and payable to a third party.
A fee of $5.00 will be charged for each debit transaction in excess of six (6) during the statement cycle.
SILVER SAVINGS*
$100.00 minimum to open account
Interest compounded quarterly
Quarterly statements
Six (6) free debit transactions each quarter
An excess withdrawal fee of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer, or payment out of this account) in excess of six (6) during a quarter.
*Nonsufficient and Overdraft fees apply to overdrafts and returned items on checking, N.O.W., Money Market and Silver Savings accounts.
CERTIFICATES OF DEPOSIT
$1,000.00 minimum to open account
Terms from 30 days to 60 months
Competitive rates
Automatic renewal
Federal regulations require a penalty for early withdrawal
INDIVIDUAL RETIREMENT ACCOUNTS
$50.00 minimum to open a variable rate IRA
Terms from 30 days to 60 months for fixed rates
Eighteen (18) months for variable rate certificates
Competitive rates
Automatic renewal
Traditional, ROTH, SEP, CESA accounts
Federal regulations require a penalty for early withdrawal
LOANS
Consumer
Commercial
Mortgage
DEBIT CARDS
MasterMoney® Debit Card
May be used wherever MasterCard® is accepted
Transactions deducted immediately from your checking account
Transactions posted on your checking account statement
May be used for cash withdrawals at ATM machines displaying the Pulse or Cirrus logos*
*Fees may apply for ATM withdrawals
TELEPHONE BANKING
Dial 662-447-2703 to access your account information 24 hours a day, seven days a week.
