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When you're just starting out, defining your financial goals can be difficult, just like reaching them. Defining your goals can be a process and they may change over time. We want to help you begin your financial journey, set goals and achieve them, whatever they may be. Check out some of our solutions below that are just right for those just starting out.

Traditional Checking

  • May be opened with an initial deposit of $100
  • There is a minimum daily balance requirement of $250, or a minimum average daily balance requirement of $1,000, or a combined balance of $5,000.00 in Saving, CD and Money Market accounts, to avoid a monthly service charge of $15 (waived for direct deposit customers) 
  • No limit to the number of checks that may be written per month and there are no charges per check written

Total Access Checking

Our Total Access Checking Account offers incredible opportunities to satisfy your financial needs.

  • Free ATMs Nationwide – The surcharge fee assessed by the owner of the ATM will be reimbursed. (Reimbursement does not include the 1% International Service Fee charged by MasterCard for certain transactions conducted outside of the continental United States.)
  • May be opened with an initial deposit of $100

Total Access Checking is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded every month and credited to your account every month.

Total Access Checking has a Tiered Interest Rate plan based on your Daily Balance.

A maintenance fee of $18.00 will be imposed every statement cycle if the minimum balance in companion account(s) falls below $5,000 any day of the cycle and if no direct deposit occurs during the statement cycle (waived for the first month pending receipt of direct deposit)

 

 

Passbook Savings Account

  • May be opened with an initial deposit of $200
  • Minimum Daily Balance requirement of only $200 to avoid a quarterly fee of $12.00
  • You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, where all of your transactions are recorded
  • Interest is compounded and paid quarterly

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 1 Month
  • 3 Months
  • 6 Months
  • 9 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.

Interest rates vary depending on the term of the CD. Interest is calculated using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.

 

 

 

Variable Rate Certificate of Deposit

Minimum balance to open and maintain is $5,000.

Variable Rate CD-Features & Benefits

  • Convenient access to your money as long as you maintain the minimum balance
  • Unlimited deposits and withdrawals1
  • Interest rates are based on the 91-day Treasury Bill Rate, and are subject to change weekly
  • Convenience of calling or visiting your personal banker to add to or access your money
  • Your account earns interest which is compounded and paid monthly
  • FDIC Insured
  • Receive monthly statements


It's Easy To Open One of These Accounts

Fill out and submit this application form or come see one of our friendly personal bankers.

1Funds must remain on deposit for 7 days before each withdrawal or a penalty will be imposed

This Variable Rate CD requires a 12 month term.

Please contact us if you have any questions.

 

 

Overdraft Protection

Products & Programs

  • Overdraft Protection Account—Allows you to cover the unexpected opportunity or the occasional overdraft
  • Flexible line amounts
  • Competitive fixed interest rate

Please download this loan application form, fill it out completely and mail, fax (847) 418-2828 or drop it off at the bank.

Please contact us if you have any questions.

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles

Please download our automobile loan application form, fill it out completely and mail, fax (847) 418-2828 or drop it off at the bank.

Please contact us if you have any questions.