PERSONAL ACCOUNT DISCLOSURES
Personal Checking Accounts
Certain restrictions apply. Ask your customer service representative for more details. Minimum opening deposit is only $50. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, third-party data fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.
Personal Savings Accounts
Certain restrictions apply. Ask your customer service representative for more details. Minimum opening deposit is only $50 for Simply Savings; $1,000 for Simply Money Market; $10 for Vacation/Holiday Club. To avoid a $10 monthly service charge on Simply Money Market, the account balance must not fall below $1,000 any day of the statement cycle. Bank rules and regulations apply. Other fees may apply and could reduce the earnings on the account. See fee schedule for details. If three (3) occurrences of excessive transactions happen within a rolling twelve-month period, the account will be changed to a non-interest-bearing account.
Personal Certificate of Deposit (CD)
Certain restrictions apply. Ask your customer service representative for more details. Minimum opening deposit is $1,000. Bank rules and regulations apply. Other fees may apply and could reduce the earnings on the account. See fee schedule for details. A substantial penalty may be imposed for early withdrawal.
Please have your Social Security number handy at account opening.
Our team will also verify your ID at account opening to safeguard your personal info. Any one of the following unexpired, unaltered forms of ID are acceptable:
- Driver’s License – first choice of identification
- A temporary, officially issued paper driver’s license is acceptable if less than 30 days old
- Probationary Driver’s License
- Learner’s Permit
- State Non-Driver ID Card
- US Passport
- US Military ID
- Permanent Resident Card/Green Card
- Foreign Passport – with current entry stamp if not issued in the US
- Any document listed above for individuals
- Student ID Card
- Birth Certificate
- Insurance Card
- Affidavit Attesting to Minor’s identity, signed by guardian
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT
On September 11, 2001, our lives changed forever. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
We proudly support all efforts to protect and maintain the security of our customers and our country.