To help the government fight the funding of terrorism and money laundering activities, Federal law requires that all financial institutions obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.

Below is a condensed description of accounts we have to offer. For a complete list of services and charges, please see one of our new accounts representatives at the branch nearest you. Someone there will be happy to help you.

NOW CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• No monthly service charge if $1000 balance is maintained
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account

HOMELAND GOLD CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• Free club account checks, money orders, and cashiers checks
• Service charge calculated on Accidental Death & Dismemberments Insurance plan selected at time of opening

• Many other discounts & benefits are available to Homeland Gold members

SENIOR CHECKING (Age 60 and above)
• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• No Service Charge
• Free Senior Checks

SENIOR GOLD CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• Free Senior Checks, money orders and cashiers checks
• Service Charge is $5 monthly
• $5,000 non-reducing accidental death & dismemberment policy
• Many other discounts & benefits are available to Senior Gold members

STUDENT CHECKING
• $50 minimum to open
• Unlimited check writing and deposit privileges
• No monthly service charge
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• Must be 18 years old or have an adult joint owner on the account

COMMERCIAL CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• $10 per month service charge
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits

MONEY MARKET CHECKING
• $1,000 minimum to open
• Earns variable rate of interest
• Interest credited monthly
• No monthly service charge if $1,000 balance is maintained
• Up to six transfers or withdrawals each statement cycle, up to three of which may be by check. $3 per withdraw/transfer if over the limit of six per month
• Unlimited deposits

CHRISTMAS CLUB
• $5 minimum to open
• Interest credited annually
• Unlimited deposits
• A check will be issued and mailed to you to do your shopping with
• $5 charge for each withdrawal

SAVINGS ACCOUNTS
• $50 minimum to open
• Interest credited quarterly
• Unlimited deposits
• 3 free withdrawals per quarter. $1 charge for each excessive withdrawal

Interest will be credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as agreed upon.

The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.

After the account is opened, withdrawals before maturity date from the principle may incur a penalty.

Interest begins to accrue on the business day you make the deposit.

For current certificate of deposit rates, please contact one of our new accounts representatives at the branch office nearest you.