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Localy Ownede

Deposits


Regular Checking | Basic Checking | PeoplesPlus Checking | Investment Checking
Regular Savings | Christmas Club Savings | Certificate of Deposit

Checking

Regular Checking
There is no service charge on our regular checking account as long as the minimum balance of $1,000 is maintained. Should your balance fall below $1,000, the following charges will apply:

Minimum Balance
 
Monthly Service Charge
$500.00 to $999.99
 
$4.00 per statement cycle
$0.00 to $499.99$6.00 per statement cycle

We have special accounts available to full-time students and senior citizens.

Basic Checking
No minimum balance to be maintained. A monthly service charge of $4.00 is applied to the account. Eight (8) free withdrawals per month, $0.50 per withdrawal after eight.

PeoplesPlus Checking
PeoplesPlus membership entitles you to a large variety of banking services. For a small monthly fee, you will receive free accidental death insurance, free Identity Watch®, discounts on hotels, free personalized checks, discounts on prescription drugs and prescription eyewear, three free cashier checks or money orders each month and many more free banking services at no extra charge. Monthly charge is discounted for interest bearing and senior citizen accounts.

Investment Checking
This is a tiered-rate checking account with the annual percentage yield and interest rate determined by your average collected balance per statement cycle. Unlimited number of checks allowed.
 
$0 to $1,499.99
 
will earn no interest
$1,500 to $2,999.99
 
current rates upon request
$3,000 to $24,999.99
 
current rates upon request
$25,000 or morecurrent rates upon request


Should the balance fall below $1,000, the following charges will apply:
$500 to $999.99
 
$8.00 per statement cycle
 
$0 to $499.99
 
$10.00 per statement cycle
 

 NOTE: A minimum deposit of $200 is required to open a checking or savings account, with the exception of youth accounts.

Savings

Regular Savings
A convenient way to accumulate and invest your money. We use the daily balance method to calculate the interest on the account. You are allowed four (4) withdrawals per quarter. A charge of $3.00 per withdrawal will be assessed beyond the fourth withdrawal. A charge of $2.00 will be assessed in the month the current balance falls below $200. 

Christmas Club Savings
It’s a great way to save money through the year for the extra expenses you have during the holiday season. Automatic payments must be set up from your checking account or savings account.

Call (502) 484-3466 for current Regular Savings rate and Christmas Club Savings rate.

Certificates of Deposit (CDs)
Type            Minimum Deposit

182 day              $2,500
 
1 year                $1,000
 
2 years               $1,000
 
3 years               $1,000
 
5 years               $1,000


Call (502) 484-3466 for current CD rates.

* Rates subject to change, and federal regulations require
a penalty for early withdrawal.

Want to determine your deposit insurance? 
Visit the FDIC's Electronic Deposit Insurance Estimator (EDIE).

Important Information About Procedures for Opening a New Account
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.

What this means for you:  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 also ask to see your driver's license or other identifying documents. 

FDIC "Money Smart" Program
Visit the FDIC's "Money Smart" program at www.fdic.gov/consumers/consumer/moneysmart/adult.html.  
The Money Smart for Adults instructor-led curriculum consists of eleven training modules that cover basic financial topics.  Topics include a description of deposit and credit services offered by financial institutions, choosing and maintaining a checking account, spending plans, the importance of saving, how to obtain and use credit effectively, and the basics of building or repairing credit. 

 

 FDICEHL