Products
& Services
Checking
First Direct Checking
- No monthly service charge!
- Free checks!
- Minimum deposit to open is $100.
- Direct deposit must be maintained.
- No fees for traveler’s checks or cashiers checks.
Value Checking
- No monthly service charge!
- Minimum deposit to open is $100.
- Statement only (no cancelled checks or check copies).
- Standard checks are half price per order.
Senior Advantage Checking
- No service charge!
- Free checks!
- Minimum deposit to open is $100.
- For customers over 50.
- Interest is paid on 100% of balance with no minimum balance to maintain.
- No fees for traveler’s checks or cashiers checks.
Teachers A+ Account
- No service charge!
- Free checks!
- Minimum deposit to open is $100.
- For teachers with payroll direct deposit.
- Interest is paid on 100% of balance with no minimum balance to maintain.
- No fees for traveler’s checks or cashiers checks.
Student Checking
- No service charge!
- Free checks!
- Minimum deposit to open is $100.
- Parents must sign on the account and maintain an account here also.
First Club Checking
- Minimum deposit to open is $100.
- Free checks with unlimited check writing.
- No fees for traveler’s checks or cashiers checks.
- Service charge of $8 per month includes $10,000 life insurance or family account is $10 monthly with $20,000 life insurance coverage.
Regular Checking
- Minimum deposit to open is $100.
- No Service charge if $500 minimum balance maintained
- $7.00 service charge if
balance falls below $500.
Business Checking
- Minimum deposit to open is $100.
- Service charge based upon usage of account.
- No minimum balance.
Community Service
- No monthly service charge.
- Free checks
- Minimum deposit to open is $100.
- For police officers, fire fighters, and paramedics
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Loans
Personal Loans
- Auto Loans
- Home Improvement
- Vacations
- Boats
- Overdraft Protection
- Education
- Bill Consolidation
- Personal
We have a wide range of terms to meet your needs. Contact one of our loan officers today!
Real Estate Loans
Make your dream a reality!
- Home Purchase
- Construction
- Remodeling/Renovating
- 2nd Mortgages
- Commercial Property
- Land
- Home Equity Loans
Call Polly Stone at 737-9900 or any of our loan officers today!
Commercial Loans
Why call us when your business needs financing options?
- Flexible, customized financing
- Local loan decisions
- Fast response to your needs
- Short term and long term financing
- Small Business Administration loans
Our staff is ready and waiting to help you! Give us a call today!
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Savings
& Investments
Certificates of Deposit
- Minimum deposit required
- Available in a range of terms and maturities
- Call for current rates
Premier Savings
- Minimum balance required to earn premier rate
- Call for current rates
- Must have an additional bank deposit product to qualify for this account.
Statement Savings
- Minimum deposit required to open
- Interest compounded quarterly, six withdrawals per quarter allowed at no charge.
- Call for current rates
Personal Money Market
- Minimum balance required
- Six pre-authorized drafts per month, three of which can be checks
- Call for current rates
Commercial Money Market
- Minimum balance required
- Six pre-authorized drafts per month, three of which can be checks
- Call for current rates
Individual Retirement Account (IRA)
- Traditional
- Roth
- Educational
- Medical
Money Maker Account (NOW)
- Minimum balance required
- Call for current rates
- Unlimited check writing.
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Other
Products
ATM's
Available 24 hours per day, 7 days a week at six locations
- Cullman
- Good Hope
- Addison
- Eva
- S&S Foods in Holly Pond
- Cullman City Hall
Telephone Banking
- Call 739-1661 to access account information 24 hours 7 days a week.
Savings Bonds
- Buy or cash your savings bonds with us!
Safe Deposit Boxes
- Available at Good Hope, Cullman and Addison.
Other Services
- Christmas Club Accounts
- Notary Service
- Night Depository
- Bank By Mail
- Wire Service
- Mastercard/Visa
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