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Personal Deposit Accounts

"It's easy to bank with people you know"

 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.


PERSONAL CHECKING
Initial Deposit - $100.00
Interest - N/A
If the balance ( 1 ) falls below $400 at any time during the statement cycle, your account will be charged a $7.00 maintenance fee plus $0.25 per item paid.

DIRECT DEPOSIT
Initial Deposit - $100.00
Interest - N/A
No monthly maintenance fee or per check fee when you have your payroll directly deposited into your checking account.

SENIOR CITIZENS CHECKING ACCOUNT (3)
Initial Deposit - $100.00
Interest - N/A
No fees apply.

COLLEGE STUDENT/TEACHERS
Initial Deposit - $100.00
Interest - N/A
No monthly maintenance fee or per check fee when you show proof of College you are attending or school where you are employed.

VOLUNTEER FIRE FIGHTER/EMTs/MILITARY/POLICE
Initial Deposit  - $100.00
Interest - N/A
No monthly maintenance fee or per check fee when you show membership card for the Unit of which you are a member.

NOW ACCOUNT (2)
Initial Deposit   - $1000.00
Interest (2)- Interest is compounded and paid monthly
If the balance (1) falls below $1000 at any time during the statement cycle, your account will be charged a $10.00 maintenance fee plus $0.25 per item paid

STATEMENT SAVINGS (2)
Initial Deposit - $200.00
Interest (2)- Interest is compounded and paid monthly.
You may make 6 withdrawals during statement cycle. The first 3 are free. Withdrawals in excess of 3 are $3.00 per withdrawal. If the balance (1) falls below $200 at any time during the calendar month, your account will be charged a $5.00 maintenance fee.

MINOR STATEMENT SAVINGS ACCOUNTS (2, 4)
Initial Deposit  - $100.00
Interest (2)- Interest is compounded and paid monthly
No fees apply. You are limited to 6 withdrawals per calendar month.

MONEY MARKET ACCOUNT (2)
Initial Deposit  - $2500.00
Interest (2)- Interest is compounded and paid monthly.
You may make 6 withdrawals per statement cycle, 3 of which may be made by check, draft or similar order payable to third parties. Withdrawals in excess of either limit will be charged $8.00 per withdrawal. If the balance (1) falls below $2500 at any time during the statement cycle, your account will be charged a $10.00 maintenance fee.

Certificates of Deposit Accounts

CERTIFICATES OF DEPOSIT
TERM OF LESS THAN 90 DAYS
$1,000-$99,999
Early Withdrawal penalty may apply. Accrues interest from the day of deposit to the day of withdrawal.

CERTIFICATES OF DEPOSIT
TERM OF 90 DAYS OR LONGER
$1,000-99,999
Early Withdrawal penalty may apply. Accrues interest from the day of deposit. interest is paid and/or compounded according to the terms of the certificate.

JUMBO CERTIFICATES OF DEPOSIT
$100,000 OR GREATER
Early Withdrawal penalty may apply. Accrues interest from the day of deposit to the day of withdrawal.

INDIVIDUAL RETIREMENT ACCOUNTS
County First Bank offers the Traditional IRA, the Roth IRA, the Coverdell Education IRA as well as SEP (Self employed pension) plans.

Contact any of our Customer Service Representatives for more details.


(1) Balance refers to the Ledger Balance in your account per bank records.
(2) Interest rates and annual percentage yields are subject to change. For our current rates check our County First bank Interest Rate Chart or call us during normal business hours. Fees or early withdrawal penalties may reduce the earnings on interest bearing accounts.
(3) Applies to senior citizen account holders of 59 years of age or older.
(4) Minor accounts apply to persons under 18 years of age.

County First Bank retains the right to change account types, service charges, fees, and interest rates at any time without notice except for notice which may be required by law.

Equal Housing Lender County First Bank of Southern Maryland
Copyright 2009
Federally Insured