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Terms, Agreements, and Disclosures

To review terms, agreements, and disclosures for opening an account online, please select a document from the list below.

General Agreements and Disclosures

Retail Fee Schedule
Funds Availability Policy Disclosure
EFT Agreement and Disclosure
Substitute Check Policy
Privacy Policy
Online Service E-sign Disclosure
Online Banking Agreement

Checking, Savings, and CD Account-Specific Agreements and Disclosures

Deposit Account Agreement
Mastercard Guide to Benefits
Overdraft Privilege Disclosure
Extended Coverage Consent Form

Health Savings Account Agreements and Disclosures

Tax Favored Account (TFA) Agreement
Health Savings Account (HSA) Disclosure

Health Savings Custodial Account
Mastercard Guide to Benefits - HSA Debit

Important note regarding checks

If you are ordering checks, you will receive:

  • Free Checking: Variety 50-check (single pack - $9.95)
  • Select Checking: Colonial 50-check OR Variety 50-check (single pack - first order free)
  • Select Plus Checking: Colonial 50-check OR Variety 50-check (single pack - first order free)
  • Health Savings Account: Single pack - $9.95; Duplicate pack - $11.95

Interest rates

Click here to view our current rates.