Farmers Gold

• Monthly Service Charge, which includes the following:....$7.50/mo (interest rates are subject to change)
• Interest will be paid on collected balances over $1,000.00 compounded daily and paid monthly.
• Unlimited check writing
• No minimum or average balance required
• Ready Reserve Overdraft Protection, debit card (subject to credit approval)
• Check - printing  -  wallet only

Individual Regular Accounts

• Minimum Balance to avoid a service charge is $500.00
• If minimum balance of $500.00 is not Maintained, Maintenance fee imposed on statement cycle.......$7.00/mo.

Individual Pay-As-You-Go

• Monthly maintenance fee.....$2.50/mo.
• Fee per debit....$ .30

Individual Now Account

• Minimum Balance to avoid service charge is $750.00
  (interest rates are subject to change)
• Interest will be paid on collected balances, compounded daily and paid monthly
• If the balance falls below $750.00 on any day in the cycle: Maintenance Fee imposed on statement cycle....$2.00/mo.
  Fee per debit....$ .30

MMDA Account

• Minimum balance is $2,500.00
  (interest rates are subject to change)
• Interest will be paid on collected balances, compounded daily and paid monthly
• If minimum balance of $2,500.00 is not maintained, Maintenance fee imposed on statement cycle....$10.00/mo.
• A depositor may make no more than 6 covered transfers or withdrawals per calendar month or statement cycle if withdrawals exceed six(6) per statement cycle, per debit fee charged ..$10/transaction   

Step Up MMDA Account

• Minimum balance is $25,000 
  (interest rates are subject to change)
• Interest will be paid on collected balances, compounded daily and paid monthly
• If minimum balance of $25,000 is not maintained, Maintenance fee imposed on statement cycle....$10.00/mo.
• A depositor may make no more than 6 covered transfers or withdrawals per calendar month or statement cycle if withdrawals exceed six(6) per statement cycle, per debit fee charged ..$10/transaction  

Golden Prestige NOW Account

• For customers 50 years of age and over 
  interest rates subject to change
• Interest will be paid on collected balances, compounded daily and paid monthly.
• No minimum balance required
• Check printing (wallet).................no charge
• Direct deposit.............................no charge
• Telephone transfers.....................no charge
• ATM/Check card..........................no charge
• Travelers Cheques........................no charge
• Cashiers Checks & Money orders...no charge

Spur Account

• Opening balance..............$100.00
• Bank wallet checks..........first order free
• Service charge.................no charge

Regular Savings Account

interest rates are subject to change

• Interest will be paid on collected balances, compounded daily and paid quarterly
• If balance falls below $200.00 on any day of the month, maintenance fee imposed per month.....$2.00/mo. (minor account not subject to maintenance fee)
• A depositor may make no more than 6 covered transfers or withdrawals per calendar month or statement cycle if withdrawals exceed six(6) per statement cycle, per debit fee charged ..$0.50/transaction