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Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Deposit Products

  • Checking Accounts
  • Business Checking
  • Student Checking Accounts
  • Melby Adventures Club
  • Christmas Club Accounts
  • Savings Accounts
  • Money Market Savings
  • Certificate of Deposit
  • Individual Retirement Accounts
  • Safe Deposit Boxes
  • Health Savings Accounts

        Health Savings Account Facts:
    A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse and your dependents.
        To be eligible for a Health Savings Acount:
             1) You must have a high deductible health plan
                 The 2011 minimum deductible is: Single Health Plan $1200     Family Health Plan $2400
             2) You cannot have a supplemental health plan that is not a high deductible health plan
             3) You cannot be enrolled in Medicare
             4) A Health Savings Account owner cannot be claimed as a dependent on someone else's tax return
    Contributions in your HSA remain in your account from year to year until you use them and is portable-it stays with you if you change employers or leave the workforce
    It is your responsibility to ensure the funds from the account are being used for qualified medical expenses
    Consult your tax preparer or employer for final determination of eligibility
 

Loan Products

  • Consumer Loans
  • Commercial Loans
  • Agriculture Loans
  • Real Estate Loans
  • Home Equity Lines of Credit
  • Credit Cards
 

Additional Products & Services

  • Debit Cards
  • Internet Banking
  • Internet Bill Pay
  • Cash Management
  • Direct Deposit
  • Order Checks

 

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