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Notice of Changes in FDIC Insurance Coverage for Transaction Accounts
By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information about FDIC insurance coverage of transaction accounts, visit
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Money Market Deposit Account
  • Minimum opening balance is $2,500.00.
  • You must maintain a minimum daily balance of $2,500.00 to avoid a fee.
  • If the daily balance in the account falls below $2,500.00, a $10.00 fee is imposed.
  • The rate of interest is established each month on the basis of prevailing market conditions.
  • May pay a higher rate of interest than Interest Checking or Savings Accounts.
  • Minimum daily balance determines interest rate tier.
  • Interest is paid monthly to depositors who have maintained a minimum daily balance of $2,500.00 or more during the month.
  • Some restrictions apply to the number of withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six (6) transfers may be made by check, draft, debit card or similar order to a third party.
  • There is no limit on the number of withdrawals made in person, by mail, by telephone (via check mailed to the customer), or at ATM’s.
  • All depositors are eligible.
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