Savings

Earns interest regardless of balance
Includes FREE Internet access
$4 service charge per month if balance falls below $100
$10 excessive activity fee may be imposed **

First Savings

Must be 18 or under
$5 minimum to open
Earns interest regardless of balance
Includes FREE Internet access
$10 excessive activity fee**

Money Market

Interest-bearing on all balances
Includes FREE Internet access
No monthly service charge for ATM or debit cards
$15 service charge if balance falls below $2,500
$10 excessive activity fee**

CD/IRAs

We offer CDs and IRA CDs in terms of 7 days to 5 years.
CDs automatically renew (excluding Jumbo CDs).
Penalty for early withdrawal
- 3 months interest for terms less than 1 year
- 6 months interest for terms of 1 year or greater

**Preauthorized, automatic, or telephone transfers from this account to another are limited by federal regulation to 6 per monthly statement period. No more than 3 of the 6 transfers may be by check, draft or similar order to third parties. For each additional withdrawal or transfer excluding transactions by ATM, by messenger, by mail and in-person, a $10 excessive withdrawal fee will be imposed. When applying these limits, First Cherokee State Bank uses the date paid.

Disclosure/Detail Information | Misc. Fees and Charges | Electronic Funds Transfer Information