NOW Account

We’re Still Community….

Your hometown community bank since 1952.

 For more information, please call us at 753-1521.

  • Open this account with a minimum deposit of $500.00 and you begin earning interest compounded and paid monthly.
  • At our discretion we may change the interest rate and APY on this account at any time.  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Interest will be compounded monthly. On the days that the balance is below $500.00, the account will not earn interest. Interest will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest.
  • We use the daily balance method to calculate the interest on the account ("Balance"). This method applies a daily periodic rate to the principal in the account each day.
  • There will be no monthly maintenance fee or per check charge for accounts with a minimum daily balance of $1,000.00 or an average daily balance $1,500.00 during the month. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the statement period. If you do not maintain one of the required minimum balances, you will be assessed a monthly account maintenance fee of $10.00 and per debit charge as follows:
  • The first 20 debits are posted free. Additional debits are posted for a charge of $0.15 each.
  • A $5.00 monthly inactivity fee will be charged for inactive accounts with balances of $50.00 or less. This fee can be avoided by keeping your account active. An account becomes inactive after one year of no activity on the account. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Option Online (internet banking) or at an ATM, is not a transaction and does not count as activity. If the account balance is less than $5.00, the account will be debited for the remaining balance and the account will be closed.