Disclosures

Truth in Savings (227k pdf)
Detailed information on all our deposit accounts, the terms and conditions governing those accounts, and a current schedule of our general fees.

Funds Availabilty Policy (Reg CC) (pdf) As of Feb 27, 2010
Funds from checks deposited after 2/27/10 may be available the second business day after your deposit.

Agreement for Deposit - Consumer Accounts (pdf)
Banking rules and regulations, directions as to what to do about lost or stolen checks or cards, specifics on Electronic Funds Transfers, and our Availability of Funds Policy.

Agreement for Deposit - Business Accounts (pdf)
Banking rules and regulatory requirements that apply to clients and the bank for business deposit accounts.

Overdraft Policy
Our policy concerning the handling of overdrafts, and your rights and obligations under the law.

Equal Housing Lender Information (260k pdf)
Information on our lending practices

Check 21
The electronic handling of checks, substitute checks, and how these national changes may affect you.

Privacy
Our policy and our practices regarding the privacy of the personal financial information you share with us.

USA Patriot Act
How federal requirements designed to reduce fraud, money laundering, and other illegal financial activities may affect you.

Fraud Protection
Straight talk and sound advice on how to protect yourself from fraud and how to take control of your credit information.

Balance and Annual Percentage Yield Information (22K pdf)