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Debbie Jackson

Debbie Jackson

A.V.P.

Asst. Financial Center Manager

(859) 233-8902

Brad Simpson

Brad Simpson

No Title 

Asst. Financial Center Manager

(859) 303-7279

MLO NMLS ID# 1139050

Corey Zacher

Corey Zacher

No Title 

Asst. Financial Center Manager

(859) 685-3056

MLO NMLS ID# 1716037

Money Market Account

  • Minimum opening deposit: $25.00.
  • Minimum daily balance to waive monthly service charge: $2,500.00.
  • Monthly service charge: $10.00.

Premier Money Market Account

  • Minimum opening deposit: $25.00.
  • Minimum daily balance to waive monthly service charge: $10,000.00.
  • Monthly service charge: $10.00.

General Savings Account

  • Minimum opening deposit: $25.00.
  • Minimum daily balance to waive quarterly service charge: $100.00.
  • Quarterly service charge: $3.00.
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Disclosure of account terms:

The following applies to all interest bearing accounts-We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the rate sheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e. checks). Interest is compounded monthly and is credited to the account monthly. Interest on savings is compounded and credited quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Fees may reduce earnings.

Reg. GG Account Disclosure-(Unlawful Internet Gambling Enforcement Act Policy Disclosure) June 1, 2010-In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments, or other proceeds from another person in connection with unlawful internet gambling.

Certificate of Deposit Accounts*
  • With a minimum deposit of $2,000.00, terms range from 90 to 180 days.
  • With a minimum deposit of $500.00, terms may range from 1 to 5 years.

*Penalties on CD and IRA accounts may be assessed for early withdrawal.

Individual Retirement Accounts*
  • 12 month variable rate Individual Retirement Accounts start with a minimum deposit amount of $100.00.
  • 12 month fixed rate Individual Retirement Accounts start with a minimum deposit amount of $500.00.
  • Longer terms are available with a minimum deposit amount of $500.00.

 

*Penalties on CD and IRA accounts may be assessed for early withdrawal.

Call on one of our Relationship Bankers for the most accurate rate information or to explore other options.

 

Open IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY

USA PATRIOT ACT IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY ACCOUNT

Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens an account for a covered Legal Entity. New rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number and identification documents for; · Each individual that has beneficial ownership (25% or more) in the Legal Entity: and · One individual that has significant managerial responsibility for the Legal Entity. We proudly support all efforts to protect and maintain the security of all our customers and our country.

Frequently Asked Questions:

Q) What is considered a Legal Entity?

A) Corporations, Limited Liability Companies, Limited Partnerships, Joint Ventures and General Partnerships.

Q) What documentation should I plan to bring with me when opening a Legal Entity Account?

A) A copy of the Operating Agreement or Articles of Incorporation for the Legal Entity and a copy of the current Driver’s License for EACH identified individual with beneficial ownership of 25% or more and for the individual with significant managerial responsibility for the Legal Entity.

Q) Is this new rule retroactive to my existing accounts?

A) No, this information will be required as every legal entity opens a new account going forward-even legal entities with existing relationships. However, modifications to existing accounts, such as authorized signers, will require us to follow these certification steps.

Q) Does this apply to loan accounts?

A) Yes, this rule applies to all accounts including checking, savings, certificates of deposits and loans. Please contact customer service if you have any other questions. 859-233-4500