Personal Checking Accounts	Business Checking Accounts
Money Market Accounts	Certificates of Deposit
Savings Accounts	Individual Retirement Accounts
Other Services

Personal Checking Accounts

We've got a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Premier Checking:

• Unlimited Check Writing
  
• Monthly Service Fee and Per Check Charge Waived With Minimum Balance
  
• Interest Bearing Account
  
• ATM Access
  
• Overdraft Protection Available
  
• Safekeeping or return checks available
  
• Monthly service charges and per check charges are waived if you maintain at least $10,000 on deposit in up to 4 accounts

Economy Checking:

• Unlimited Check Writing
• Monthly Service Fee and Per Check Charge Waived With Minimum Balance
• Non-Interest Bearing Account
• ATM Access
• Overdraft Protection Available
• Safekeeping or return checks available
• Monthly service charges and per check charges are waived for:
  - Senior Citizens over age 62
  - Automatic loan payments
  - Direct deposit
  - Maintain at least $10,000 on deposit in up to 4 accounts
  
• Senior Citizens must notify the bank of their age to qualify for the service charge waiver
• Senior Citizens may receive Free checks

Money Market Account

• Earns Competitive Interest Rate
  
• No Service Charges with Minimum Balance
  
• Monthly Itemized Statement of Transactions
  
• ATM Access
  
• Check writing available
  
• Transaction limits apply

• Earns Competitive Interest Rate
  
• ATM Access (Statement Savings Only)
  
• Itemized Statements (Statement Savings Only)
  
• Interest Paid Quarterly
  
• Monthly Service Fee waived with Minimum Balance, Minors under the age of 18, or Senior Citizens with Direct Deposit of Benefits Payments
  
• Senior Citizens must notify the bank of their age to qualify for the service fee waiver
• Transaction Limits Apply

• Online Banking
  
• Automatic Bill Payment (w/Online Banking)
  
• ATM Access
  
• Debit Card
  
• 24 Hour Telephone Banking at (989) 839-8715 or (800) 839-8715
  
• Travelers Checks
  
• Automatic Payments
  
• Night Deposit
  
• Combined Statements
  
• Savings Bonds
  
• Money Orders and Cashiers Checks
  
• Notary Services
  
• Wire Transfers
  
• Cash Advances
  
• Signature Guarantee
• Direct Deposit