Deposit Accounts

Yampa Checking

Account Details

• No monthly service charge or minimum balance
• First check order FREE
• Unlimited check-writing privileges
• Monthly statement
• Free ATM/Debit Card
• Optional imaged checks for $7/mo
• (55+) receive free imaged checks and free basic checks
• Teen checking (10yrs-17yrs) - Must be joint with parent or legal guardian. Debit Card available with lower limits.
• Minimum opening deposit of $100 required

Bank On Account

Account Details

• No minimum balance
• No overdraft fees of any kind
• No check writing
• Free debit card
• $5 monthly service charge
  • Avoidable by 15 debit card transactions per month
• $25 minimum opening deposit

Personal Merit Checking

Account Details

• No monthly service charge if total daily balances remain above $2,500 ($10/mo otherwise) - Or combined balances between all deposit accounts or outstanding loan balances remain above $5,000
• Tiered interest rate
• Unlimited check writing
• Monthly statement
• Imaged checks
• Free ATM/Debit Card
• Minimum opening deposit of $100 required

Money Market Checking

Account Details

• No monthly service charge if total daily balance remains above $2,000 ($10/mo otherwise)
• Tiered interest rate
• Monthly statement
• Imaged Checks
• Withdrawals are limited to six pre-authorized per month; $9 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM.
• Minimum opening deposit of $2,000 required
• Free ATM card

Premier Money Market Checking

Account Details

• Premium tiered interest rates on balances over $100,000
• No monthly service charge if daily balance remains above $2,000 ($10/mo otherwise)
• Monthly statement
• Imaged checks
• Withdrawals are limited to six pre-authorized per month; $9 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM.
• Minimum opening deposit of $2,000 required
• Free ATM card

Prime Savings

Account Details

• No monthly service charge if daily balance remains above $100 ($5/mo otherwise)
• Tiered interest rate
• Quarterly statement
• Withdrawals are limited to six pre-authorized per month; $2 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM.
• Minimum opening deposit of $100 required
• Ask about Transfer Cents Program to round up on debit card transactions and save.

Minor Savings

Account Details

• No service charges
• Primary holder of the account must be under 18 years of age
• Parent or guardian also required on account
• Quarterly statement
• Limit one account per minor
• Minimum opening deposit of $25 required (no minimum balance thereafter)
• Ask about Transfer Cent Program to round up on debit card transactions and save.

Time Certificates

Fixed Rate Certificates

• Minimum opening deposit of $1,000
• Terms available from one month up to 60 months
• Certificates are automatically renewed
• Interest compounded daily
• Penalty may apply for early withdrawal

IRA Certificates

Roth & Traditional IRAs

• Minimum opening deposit of $100
• Automatically renewed
• Additions to certificate permitted (minimum of $100)
• Interest compounded daily
• Penalty may apply for early withdrawal

Health Savings Account (HSA)

The Healthy Way to Save

Health Savings Accounts (HSA) are a tax-free way to pay for qualified out-of-pocket medical expenses associated with a high deductible insurance plan. Ask one of our Account Representatives for a detailed explanation and brochure.

• FREE Debit Card (Optional)
• No Transaction Fees
• Check printing fee will be based on quantity and type of check ordered
• Tiered Interest Rate

Overdraft Protection

• Overdraft Lines of Credit available from $500 to $2,500 *Subject to credit underwriting and approval
• Permanently attached to checking account (no maturity set)
• Helps to avoid non-sufficient funds (NSF) fees
• Account overdraft coverage is automatic, with no transfer fees
• Minimum line payments automatic from checking account