Do you offer a credit card?
Our credit card is issued from us, your community bank, not one of the big
national credit card companies. It comes with a NO ANNUAL FEE, a competitive
interest rate, and no hidden fees. We even have a rewards program where you earn
one Reward Point for every dollar you spend. We also provide online account
access and fraud protection for your peace-of-mind.
What is a cashier's check?
A cashier's check
(also known as a cashier's cheque, bank check, official check, teller's check,
bank draft or treasurer's check) is a check guaranteed by a bank. They are
usually treated as cash since most banks clear them instantly.
How do I obtain a cashier's check?
local financial center to request a cashier's check.
What is a Savings Bond?
A Savings Bond is a
certificate of debt issued by the government that guarantees payment of the
original debt plus interest after a specified future date. Series EE bonds are
purchased at half of the face value, and Series I bonds are purchased at face
What is a Home Equity Loan?
A Home Equity Loan is a loan that borrows against the equity in your
home. Interest rates are about half the cost of credit cards. Unlike credit card
debt, interest on the first $100,000 of a home-equity line generally is
What is a Certificate of Deposit?
A Certificate of Deposit or commonly referred to as a
CD, is a certificate issued by a financial institution confirming a particular
deposit. A CD has a maturity date, a specified interest rate, and can be issued
in any denomination.
What is a Health Savings Account?
Health Savings Accounts (HSA) give consumers another
option for managing the high costs of health care. HSAs give consumers more
control over their money by allowing consumers to invest their money for current
and future medical expenses and have it grow tax-free. Unlike flexible spending
accounts, which are controlled by employers and have a use-it-or-lose-it
feature, HSAs are portable and belong to the consumer for life. Small businesses
are especially well served by HSAs. Traditional health care insurance is often
too expensive for small businesses to offer. With a high-deductible plan and
corresponding HSA, business owners can offer employees the health care security
What is Overdraft Protection and why do I need it?
We have busy lives and some time mistakes just
happen. Instead of getting charged for bouncing a check, with Cash Reserve we
will cover the check for you. Cash Reserve is an instant loan and if you pay off
quickly it is usually less expensive than the bounced check fee. So sign up
today and protect yourself from the inconvenience of an overdrawn
What is Direct Connect?
Our Direct Connect service allows you to conveniently access your
accounts directly through your Quicken or QuickBooks software in order to
download account activity and complete account transfers.
How will I know if my check has been deposited?
Online banking customers can view deposits and withdrawals with
How do I enroll in Online Bankin?
You can self-register for Online Banking services by
clicking Enroll in the Account Login widget on the Home Page.
How does Deposits and Holds Work?
When you make
a deposit to your account, we most often make the deposited funds available the
next business day. But some times, we place a hold on a deposit which means you
may not have access to those funds as soon as you expected.
availability of funds depends on a number of factors, including how, when and
where you made the deposit.
When you deposit cash with a teller,
funds are usually available immediately if the deposit was made before the
If you make a deposit at an ATM or if you deposited a check
written to you.
What is a Memo Post?
A memo post is a transaction that has not yet posted, but is temporarily
included in the current day's available balance until the nightly ledger update.
The transaction is processed and cleared for the next day.
Is an eStatement different than my paper statement?
No. An eStatement contains the exact information that the paper
statement you receive in the mail. With an image statement, instead of the
actual check, there will be a picture of each check you have written for the
month. Feedback from imaged checking customers indicates that checkbook
reconciliations is much easier and faster.