Regular Checking 

• $10 minimum deposit to open 

• No minimum balance requirements 

• $2 monthly service charge, 15¢ per check charge 

• 10¢ credit for every $100 maintained in the account 

• First 50 checks are free 

Money Market Deposit Account 

• $500 minimum deposit to open 

• Interest bearing with $500 minimum balance 

• Interest is tiered and subject to change weekly 

• $5 monthly service charge if balance falls below $500 

• $300 minimum withdrawal amount per transaction 

• Maximum 6 withdrawals per month, 3 may be by check 

Health Savings Accounts 

A Health Savings Account (HSA) is an account that you can put money into to save for future medical expenses.  There are certain advantages to putting money into these accounts, including favorable tax treatment.   

Certificate of Deposit 

A certificate of deposit (CD) is a time deposit,  similar to savings account.  A CD has a specific, fixed term (often three months, six months, or one to five years), and, usually, a fixed interest rate.  It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest.