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Home Folks Account

Effective February 1, 2016, overdraft fees will increase to $30.00 per item and nonsufficient funds (NSF) fees will increase to $30.00 per item. 

  • $100.00 minimum to open account
  • A Monthly AD&D Insurance Fee will be charged each statement cycle for accidental death/dismemberment insurance regardless of account status.



$10,000.00 Policy


$20,000.00 Policy


$30,000.00 Policy


The insurance portion of this account is: not a deposit, not FDIC insured, not insured by any federal governmental agency, not insured by the Bank.

Features & Charges

Statement Period


Check printing

Cost varies depending on the style of the checks ordered.

Cashier's Checks

No Charge (Limit 5 per month)

Photo Copies

No Charge (Limit 10 per month)

Overdraft Charge

$30.00 per item

Nonsufficient (NSF) Charge

$30.00 per item

Stop Payment Charge

$22.00 per item

Deposit Check Return Charge (charge back)

$3.00 per item

Wire Transfers

$10.00 per item


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