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Did You Know?

Because of Check 21 and other check-system improvements, your checks may be processed faster--which means money may be deducted from your checking account faster. Before you write a check, make sure that your checking account has enough money in it to cover the check.

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Traditional Individual Retirement Accounts (IRA)

If you are under age 70 for the entire tax year and have compensation, you are eligible to establish an IRA, even if you already participate in any type of government plan, tax-sheltered annuity, simplified employee pension plan, Savings Incentive Match Plan for Employees of Small Employers, or qualified plan established by an employer. Please consult your tax advisor for your personal eligibility determination. IRA maturity terms range from 12 months to 60 months with interest rates fixed for the term you select. A substantial penalty is charged for early withdrawal prior to maturity unless the withdrawal is penalty free under IRS rules. $500 minimum deposit unless periodic deposits are anticipated. If periodic deposits are anticipated the minimum deposit is $100.

Roth Individual Retirement Accounts (Roth IRA)

The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a traditional IRA. To be eligible you must have earned income (or your spouse must have earned income) and your modified adjusted gross income cannot exceed certain limits.

Please consult your tax advisor for your personal eligibility determination. IRA maturity terms range from 12 months to 60 months with interest rates fixed for the term you select. A substantial penalty is charged for early withdrawal prior to maturity unless the withdrawal is penalty free under IRS rules. $500 minimum deposit unless periodic deposits are anticipated. If periodic deposits are anticipated the minimum deposit is $100.