Personal Checking
FREE CHECKING!
Limitations: Check writing is unlimited.
Account Fees: No minimum balance requirements, no service
charge. Cancelled checks are not returned, you will receive an itemized
monthly statement.
Personal Savings
Rate Information: This account is an interest bearing account.
The interest rate and annual percentage yield are included in the
Rate Chart. The interest rate and annual
percentage yield may change. At our discretion, we may change the
interest rate on the account quarterly. Interest begins to accrue
no later than the business day we receive credit for the deposit of
noncash items (for example, checks). Interest will be compounded daily
and will be credited to the account quarterly.
Balance Information: We use the daily collected balance method
to calculate the interest on the account. This method applies a daily
periodic rate to the principal in the account each day.
Limitations: Withdrawals are limited to 9 per quarterly statement
cycle.
Account Fees: $.50 fee for each withdrawal in excess of 9
during each statement cycle. A $3.00 monthly fee will be charged
if the average daily balance is less than $100.00 for the statement
cycle.
Personal Money Market
Rate Information: This account is an interest bearing
account. The interest rate and annual percentage yield will depend
upon the balance in the account as shown on the
Rate Chart. The interest rate and annual percentage yield may
change. At our discretion, we may change the interest rate on the
account monthly. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for example,
checks). Interest will be compounded monthly and will be credited
to the account monthly.
Balance Information: We use the daily collected
balance method to calculate the interest on the account. This method
applies a daily periodic rate to the principal in the account each
day. The average daily balance of the account per statement cycle
is used to determine the rate tier applicable to that statement cycle.
Limitations: You must deposit $1,000.00 to open
this account. You may make six (6) transfers from your account each
four (4) week or similar period, if by preauthorized or automatic
transfer, or telephone (including data transmission) agreement, order
or instruction. Three (3) of these transfers may be made by check,
draft, debit card or similar order (including POS transactions), made
by the depositor and payable to third parties. Transfers and withdrawals
made in person, by messenger, by mail or at an ATM are unlimited.
Account Fees: $10.00 charge per month if daily balance is ever below
$1,000.00 during the statement cycle. Canceled checks are not returned.
Certificates of Deposits
Rate Information: This account is an interest bearing account.
The interest rate and annual percentage yield are included in the
Rate Chart. The interest rate and annual
percentage yield will not change for the term of the account. Interest
begins to accrue on the business day you deposit noncash items (for
example, checks). Interest will be compounded daily on the account.
Interest will be credited to the account at maturity.
Balance Information: 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 a
minimum balance of $100.00 ($100,000.00 for Jumbo CD's) in the account
each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $100.00 ($100,000.00 for Jumbo
CD's) to open this account. You may not make additional deposits
into this account. You may not make withdrawals from your account
until the maturity date.
Account Fees: After the CD matures, you will not receive interest
accrued during the 10 day grace period if CD is withdrawn.
Time Account Information: Account maturity depends upon the
original term. If you withdraw any of the principal before the maturity
date we may impose a penalty of 1 months interest. Early withdrawal
of Certificate of Deposit requires all joint owners signatures. This
account will automatically renew at the then prevailing rate for the
like term. You will have 10 days after the maturity date to withdraw
funds without penalty.
Individual Retirement Accounts
Description: Individual Retirement Accounts provide
a tax shelter as well as retirement security. IRAs are available to
all working individuals and their spouses. Each week a Harris representative visits each of our branches to provide financial counseling, life insurance, stocks, investments and IRA management. IRA interest earned remains
tax-deferred while you build a fund for your future. (Roth IRA interest
earned is tax-deferred and may be tax free at time of withdrawal.)
New accounts and rollovers are welcome!
Rate Information: This account is an interest bearing account.
The interest rate and annual percentage yield are included in the
Rate Chart. The interest rate and annual
percentage yield may change. At our discretion, we may change the
interest rate on the account every six months on the six month anniversary
of the account. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for example,
checks). Interest will be compounded daily and will be credited to
the account every six months.
Balance Information: We use the daily collected 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
a minimum balance of $100.00 in the account each day to obtain the
disclosed annual percentage yield.
Limitations: You must deposit $100.00 to open this account.
Contributions for the current tax year must be made by April 15 of
the following year. Access to your IRA funds can start without Federal
penalty at age 59½, however, you must begin to withdraw (qualified
distribution phase) funds by April 15th of the year following age
70½ (excluding Roth IRA). If you withdraw any of the principal before
the maturity date we may impose a penalty of 1 months interest. Each
depositor is insured for retirement purposes, e.g. IRAs, Keoghs, and
pension or profit-sharing plans up to $100,000 by FDIC. Withdrawals
are not permitted on the account unless in a qualified distribution
phase, then are limited to 3 per quarterly statement cycle. You
must maintain a minimum balance of $100.00 for the account to remain
open.
Account Fees: During qualified distribution phase, $.50 fee
for each withdrawal in excess of 3 during each statement
cycle. Additional Credit Card Processor fees may apply.
Please call or visit one of our Bank
locations today to apply.
Account Disclosures
