Deposits

Country Free Checking

An absolutely free checking account.

• No minimum balance.
• No service charge.
• Unlimited check writing.
• Check images returned with statement.
• Free ATM/VISA debit cards.
• 5 free foreign ATM withdrawals per month; after fifth, $1.50 per withdrawal. No charge at BSB ATM's.
• Free Internet Banking & Bill Pay.

Country Plus Interest Checking

A checking account that earns interest.

• Variable interest bearing account, tiered interest based on balance/interest paid monthly.*
• Minimum balance of $500.00, $6.00 maintenance fee for less than $500.00 balance.
• Unlimited check writing.
• Check images returned with statement.
• Free ATM/VISA debit cards.
• 2 free foreign ATM withdrawals per month; after second, $1.50 per withdrawal. No charge at BSB ATM's.
• Free Internet Banking & Bill Pay.

Country Gold Checking

Account for those 62 years of age and above.

• Variable interest bearing account, tiered interest based on balance/interest paid monthly.*
• A minimum daily balance of $1,000.00 required to earn interest.
• No monthly service charge.
• Free club checks.
• Unlimited check writing.
• Check images returned with statement.
• Free ATM/VISA debit cards.
• 2 free foreign ATM withdrawals per month; after second, $1.50 per withdrawal. No charge at BSB ATM's.
• Free Internet Banking & Bill Pay.

Business/Governmental Agency Account

An account for Partnerships, Corporations and LLCs with a Tax ID Number.

• Check images returned with statement.
• No maintenance fee if $500.00 average/available balance is maintained during statement period.
• $5.00 total charge for maintenance fee if balance drops below $500.00 average/available balance.
• 5 cents per check charge over 40 checks written.
• Free Internet Banking.

Money Market Savings Account

An account that earns more interest.

• Unlimited transfers permitted between accounts of the same depositor at Bank. (If done in person, by messenger, by mail or to pay loans at the Bank.)
• Up to 6 transfers a month permitted to another account of the same depositor at Bank or to a third party if preauthorized, automatic or telephone agreement (three of the six transfers may be by check or draft). If account exceeds 6 withdrawals per month - $6.00 charge per item. If account repeats violation of 6 withdrawals per month, bank must convert to transactional account.
• Minimum balance is $1,000.00. If minimum balance falls below $1,000.00 - $6.00 charge per month.
• Variable interest bearing account, tiered interest based on balance/interest paid monthly.*

Country Savings Account

No fee/No minimum balance savings account.

• Interest bearing account/paid quarterly.*
• Unlimited transfers permitted between accounts of the same depositor at Bank. (If done in person, by messenger, by mail or to pay loans at the Bank.)
• Up to 6 transfers a month permitted to another account of the same depositor at Bank or to a third party if preauthorized, automatic or telephone agreement.
• Debit card attached to this account has no usage fee if used at "Our ATM's". Any other ATM - 1 withdrawal per month without charge and $1.50 charge for each additional withdrawal.

Individual Retirement Account

An excellent tool for retirement and/or education savings.

• Four types to choose from: Traditional, Roth, and SEP IRA's as well as Coverdell Education Savings.
• Interest Bearing Account; Compounded/Paid Monthly
• No Annual Fee.
• One Free Premature Distribution per calendar year; $10.00 fee for each thereafter.
• $20.00 fee for transferring funds out or closing the account.
• Accounts must be opened and/or funded by April 15th.

For information on contribution limits and deadlines as well as other information and restrictions, please contact our customer service department.

Health Savings Account

HSA functions like a Checking Account:

• Free Unlimited Transactions.
• Can write checks or use a FREE debit card on this account to pay for medical expenses.
• No Annual Fee.
• Interest Bearing Account.

Benefits of Opening a Health Savings Account:

• Allows you to save money for medical expenses and emergencies.
  
  
• Tax-sheltered Savings Account (Similar to an IRA).
  
  
• Tax benefits
  • Contributions are deductible.
  • Earnings grow tax-deferred.
  • Distributions used for medical expenses are tax free.
    
    
• Employers may contribute to their employee's HSA.
  
  
• Money in account does not have to be used up each year, can accumulate year to year.
  
  
• Customers must have a High-Deductible Health Insurance Plan to be eligible to contribute.
  2009: $1,150 (Individual) $2,300 (Family)
  2010: $1,200 (Individual) $2,400 (Family)
  
  
• Contribution Limits
  2009: $3,000 (Individual) $5,950 (Family)
  2010: $3,050 (Individual) $6,150 (Family)
  
  
• Catch up provisions for those over 55 and under the age of 65
  2009 & 2010: $1,000/year
  
  
• Contribution Deadline - Date on which you file your taxes (Usually April 15).
  
  
• Direct Rollover from a medical savings account to health savings.

 

*See our Rate Sheet for current interest rates.