PERSONAL SAVINGS ACCOUNTS
Not just saving...growing. Which of our savings plans is right for you? That depends on your needs and goals, of course. Maybe a combination works best. But whatever you choose, you'll find our plans provide some of the most convenient features around. We know that makes any plan work better for you.
All terms and conditions are subject to change. Full account disclosure, in accordance with the Truth in Savings Act, is available upon request.
Statement Savings
- Account statement provides transaction history. Depositor maintains a savings transaction register for recordkeeping purposes.
- Account provides ability to conduct electronic transactions, such as direct deposit transactions, ATM transactions, and preauthorized transfers to another account.
- Account access available through Internet Banking and 24-Hour Telephone Banking Line.
- Variable rate of interest earned with compounding daily and crediting monthly.
- Minimum daily balance of $100 required to earn interest.
- $3 fee/month if account falls below $50 minimum daily balance.
- You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debit card or other similar transactions from your account per month or statement cycle.
Passbook Savings
- Savings passbook used to track transaction history. Passbook must be presented when conducting account deposits or withdrawals. Transactions are recorded in the passbook.
- Deposits or withdrawals may be made at any time.
- Variable rate of interest earned with compounding daily and crediting semiannually.
- No monthly service fees.
- Minimum daily balance of $5 required to earn interest.
Money Market Account
- Tiered interest-earning account. Maximum rate of interest earned with $1,000 daily collected balance. Minimum rate of interest earned with $500 daily collected balance.
- Variable rate of interest earned with compounding and crediting on a monthly basis.
- $5 fee/month if account falls below $500 average daily balance.
- You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debit card or other similar transactions from your account per month or statement cycle.
- Free Internet Banking.
- Free Internet Bill Payment & Presentment via a checking account.
- Free Telephone Banking.
Classic Money Market Account
- Tiered interest-earning account. Minimum rate of interest earned with $5,000 daily collected balance. Other interest rate tiers include $25,000, $100,000 and $500,000 daily collected balance.
- Variable rate of interest earned with compounding and crediting on a monthly basis.
- $20 fee/month if account falls below $5,000 average daily balance.
- You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debit card or other similar transactions from your account per month or statement cycle.
- Free Classic Money Market Account checks for life of account relationship.
- 50% discount on safe deposit box annual rental, subject to availability and automatic payment deduction from Classic Money Market Account.
- Free Classic CareFree Checking Account with free standard checks for life of Classic Money Market Account relationship.
- Free Overdraft Protection on Classic CareFree Checking with automatic transfer from Classic Money Market Account.
- Free Internet Banking.
- Free Internet Bill Payment & Presentment via a checking account.
- Free Telephone Banking.
Christmas Club Account
- Two club payment options---automatic deduction from Adams County National Bank checking account or coupon book.
- At maturity in October, the club's proceeds may be automatically deposited to another Adams County National Bank deposit account or paid by check.
- Interest earned is simple interest; it is credited at the club's maturity.
- $5 minimum balance to open.
Christmas Club with Automatic Payments Truth in Savings Disclosure
Chrismas Club with Coupon Book Truth in Savings Disclosure
VIP Club Account
Very Important Purpose Club
- Choose the date the funds are paid out---either the 15th or the 30th of the month of your choice, within the 12-month period of the open date.
- Club payments are automatically deducted from an Adams County National Bank checking or statement savings account.
- On the payout date, the club's proceeds are directly deposited to an Adams County National Bank checking or statement savings account.
- Interest earned is simple interest; it is credited on the club's payout date.
- $5 minimum balance to open.
Equal Housing Lender. Equal Opportunity Lender. Member FDIC.