Commercial Checking

Regular Checking

  • A minimum initial deposit of $300.00 is required.
  • Accounts are analyzed each month to determine service charges.

Econo Checking

  • A minimum initial deposit of $300.00 is required.
  • No maintenance or analysis charge above the $0.35 per posted check will be charged.

Econo Checking offers an economical alternative to customers who do not anticipate a high activity account.

Checking Plus (NOW)

  • A minimum initial deposit of $300.00 is required.
  • A competitive rate of interest will be paid on your collected ledger balances regardless of balance.
  • A maintenance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the cycle. Additionally, after the first 25 debits have been posted to the monthly account, there will be a charge of $0.25 per debit.

Checking Plus (NOW) is offered on personal accounts, not-for-profit accounts, and certain other specifically eligible accounts.

Money Market Account (Tiered Account)

  • A minimum initial deposit of $2500.00 is required.
  • Interest earned varies depending on daily account balance.
  • If your account balance falls below $2500.00, you will earn the Passbook Savings rate.

Transaction Limitations

Transfers from any Money Market Fund Account to another account or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

Savings Account

  • A minimum initial deposit of $100.00 is required.
  • A service charge of $5.00 will be imposed every statement cycle if the balance falls below $100.00 on any day of the cycle.
  • A per item fee of $2.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during the quarter.
  • Interest will be compounded and credited to your account every quarter.

For current rates or more information, contact us at 325-949-3721 or 1-800-700-9603.

Regarding interest-earning accounts, interest begins to accrue the business day we receive credit for the deposit of noncash items (for example, checks). We reserve the right to require seven days advance notice to withdraw or transfer funds from any interest-earning account. We currently do not exercise this right and have not exercised it in the past.