DEPOSIT

*Annual Percentage Yield and Interest Rate may change after account opening. Interest rate and Annual Percentage Yields are current as of 08/7/2018. Fees could reduce the earnings on the account.

**Plus Requirements:  E-statements, minimum of 10 Point of Sale(POS) transactions of at least $10 each posted to your account per cycle and 1 ACH transaction.  All requirements must be met the last business day per statement cycle.  If this criteria is not met, you will not earn a Cash Back Reward.  There is a $2.00 service charge, per statement cycle, if you are not enrolled in e-statements.  ^Provided all requirements are met: You earn 3% of your total POS transactions posted to your account per cycle, up to a maximum of $6.00, as a Cash Back Reward.  One account per Social Security Number.  Personal Accounts only.  $50 minimum to open account.

***Preferred Requirements:  E-statements, minimum of 10 Point of Sale(POS) transactions of at least $10 each posted to your account per cycle and 1 ACH transaction.  All requirements must be met the last business day per statement cycle.  There is a $2.0 service charge per statement cycle if not enrolled in e-statements.  Provided all requirements are met:  *APY=Annual Percentage Yield ^If the daily balance is $01-$25,000.00 the interest rate paid on that part of the balance is 3.01% and APY of 3.05%.  If the daily balance is greater than $25,000.00 the interest rate paid on that portion of the balance would be 0.35% with the APY range of 3.05%-0.36%.  Any accounts that do not meet the monthly requirements will have a rate of 0.20% and APY of 0.20%.  Interest is compounded daily and credited monthly.  Rate and APY are variable and may change daily.  $50 minimum to open account.  APY is accurate as of 8/7/18.  One account per social security number.  Personal accounts only.

Personal CheckingMinimum Opening DepositAPY*(Annual Percentage Yield)Interest RateMonthly Service FeeAdditional Information
PSB Plus**$50NONENONE$2.00(plus tax) if not enrolled in e-statementsFree debit card, E-statements required, Minimum of 1 ACH entry & Minimum of 10 POS transactions of $10 each per statement cycle. 3% of POS transactions back up to $6 per statement cycle
PSB Preferred***$503.05% on balances $0.00to $25,000.00
.35% on balances over $25,000.00^
3.01% on balances $.01-$25,000.00
.34% on balances over $25,000.00^
$2.00(plus tax) if not enrolled in e-statementsFree debit card, E-statements required, Minimum of 1 ACH entry & Minimum of 10 POS transactions of $10 each per statement cycle. Interest Rate drops to .15% if criteria not met.
NOW Account$750.00
0.30%0.30%Minimum Balance Fee of $5.00 if balance belows $750.00 per cycle. First 50 check free
Debit Charge of $0.15 per debit in excess of 30 per cycle
Business CheckingMinimum Opening DepositAPY* (Annual Percentage Yield)Interest EarnedMonthly Service FeeAdditional Services
Business StandardNo minimum requiredNONENONE$2.00 (plus tax)Images with each statement
Debit Charge of $0.15 (plus tax) per debit
per cycle
Service Charge Credit of $0.40 per $100.00 minimum cycle balance
Business Premiere$750.000.20%0.20%$5.00Images with each statement
Money MarketMinimum Opening DepositDaily BalancesAPY* (Annual Percentage Yield)Interest EarnedMonthly Service FeeAdditional Services
Hi-Fi Money Market$2,500.00up to $2,499.990.15%0.15%Minimum balance fee of $5.00 if balance falls
below $2,500.00 per cycle
Minimum Withdrawal of $250.00
Debit Charge of $0.25 per debit in excess of 6 per cycle
$2,500.00-$24,999.990.40%0.40%
$25,000.00-$99,999.990.50%0.50%
$100,000.00-$299,999.990.70%0.70%
$300,000.00-$499,999.990.85%0.85%
$500,000.00 and up0.90%0.90%
Health Savings AccountMinimum Opening DepositAPY* (Annual Percentage Yield)Interest EarnedMonthly Service FeeAdditional Information
No minimum required
Contribution limit $3,250.00/single
$6,450.00/family
1.00%0.99%Annual Fee of $15.00Pay for qualified medical expenses for you, your spouse, or dependents
Offers checks or debit cards
Individual Retirement AccountsMinimum Opening DepositAPY*(Annual Percentage Yield)Interest EarnedMonthly Service FeeAdditional Services
no minimum required
Contribution limit $3,250.00/single
$6,450.00/family
1.90%1.88%
Savings AccountsMinimum Opening DepositAPY* (Annual Percentage Yield)Interest EarnedMonthly Service FeeAdditional Services
Regular Savings$50.000.40%0.40%Minimum Balance fee of $.50 per month will be imposed if balance falls below $50.00 any day of the month
Debit Charge of $1.00 each in excess of five withdrawals per calander month
Annual ATM card fee waived for eStatement customers
Treasure Cove Kids ClubNo minimum required0.40%0.40%None$5 at account opening & $5 each year on child's birthday, activities throughout the year. With each deposit, pick a treasure from the treasure box
Christmas Club Savings No minimum required0.99%1.00%NoneMonthly auto transfer into savings account. Earns interest, compounded monthly.
Check mailed yearly for balance as of October 31st.

*Annual Percentage Yield and Interest Rate may change after account opening. Interest rate and Annual Percentage Yields are current as of 08/7/2018. Fees could reduce the earnings on the account.