Personal Banking Accounts and Services

Checking Accounts


MyLife Checking

LifeLock discounts on annual membership
IDentity Theft 911
Air Evac Lifeteam
annual membership discounts
Discounts on First Neighbor Travel trips

 

PLUS:

  • Security advantages
  • Better Health package
  • Financial service
  • Lending & overdraft privileges
  • First Neighbor perks
  • No issue fees
  • Convenience banking
  • No minimum balance required
  • FREE online BillPay
  • FREE checks (one style only)

Basic Checking

  • Unlimited check writing
  • No minimum balance required
  • Free Debit Card
  • Free E-statements
  • Free Paper Statements
  • Free Online Bill Pay
  • No minimum ACH (Automated Clearing House), POS (Point of Sale), direct deposit, or automatic payment transactions
  • No monthly service charge
  • Check order charges vary by style
  • Direct deposit available

NOW Checking

  • Maintain $1,000 minimum daily balance
  • Receive current interest rate that will be compounded every month
  • Interest will be credited to your account monthly
  • Direct deposit available
  • Fees:
    • $0.20 per check after thirty checks written
    • $5.00 if balance falls below $1,000

Super NOW Checking

  • Maintain $1,500 minimum daily balance
  • Receive current interest rate that will be compounded every month
  • Direct deposit available
  • Fees:
    • $0.20 per check after thirty checks written
    • $10.00 if balance falls below $1,500

Savings Accounts


Passbook Savings Account

  • Requires $100 minimum opening deposit
  • Only two withdrawals per month
  • Interest will be compounded every quarter and interest will be credited quarterly
  • If you close your account before interest is credited, you will not receive accrued interest
  • Automatic transfer available
  • Fees:
    • $2.00 if balance falls below $100
    • $1.00 per withdrawal exceeding two withdrawals per month

Money Market Savings

  • Requires $2,000 opening deposit
  • Interest will be compounded every month and credited to your account monthly
  • Maintain a $2,000 minimum daily balance
  • Transfers from this account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no more than three by check or similar order
  • Fees:
    • $10.00 if balance falls below $2000
    • $2.50 per check that exceeds six per month

Health Savings Account

  • Interest bearing
  • Use for any qualifying medical expenses
  • Save for future medical expenses
  • Contributions may be tax deductible
  • Earnings may be tax deferred
  • Tax free withdrawals for qualified medical expenses
  • Account can grow with investment earnings
  • 5 checks per month are free. A fee of $1 per check after that within the monthly cycle
  • Competitive interest rates
  • $25 annual fee

Certificates of Deposit

  • Fixed rates
  • Terms from seven days to five years
  • Penalty for early withdrawal
  • Automatically renewable
  • $500 minimum opening deposit
  • 24-month BUMP UP CD
  • Deposits can be made at any time in $100 increments
  • 24-month CD
  • 36-month CD
  • 24-month Bump Up CD
    • Bump up to the current interest rate once within the 24-month period

Kids Klub

  • No minimum deposit
  • No minimum balance
  • Interest will be compounded every quarter and credited to your account quarterly
  • Receive birthday “money” coupons
  • Receive First Neighbor Bank “piggy bank” for opening a Kids Klub
  • May make deposit at “bank at school” days (where banks are allowed)
  • Automatic transfer available

Real Club

  • Earn a higher yield on savings (rates subject to change)
  • Save for real estate taxes
  • Save for vacation
  • Four withdrawals per year with a $10.00 fee for exceeding limit
  • Automatic transfer available
  • Interest rate decreases when balance exceeds $5,000

Christmas Club Account

  • Receive your Christmas Club check at the end of October
  • Earn a higher yield on your savings (rates subject to change)
  • Automatic transfer available
  • Interest rate decreases when balance exceeds $5,000.00
  • Four withdrawals per year with a $10.00 fee for exceeding limit