Regular Checking

  • Description: Our simplest and lowest cost account, designed for people who want economy and unlimited check writing!
  • Minimum Balance: None
  • Monthly Service Charge: None
  • A fee of $2.00 per month for each dormant account will be charged (Only for accounts with balances below $100.00). *An account is considered dormant after 365 days without any activity.
  • Interest: No
  • Additional Benefits:
    • Unlimited check writing
    • Free ISB ATM access
    • Free Ready Phone Banking
    • Free SHAZAM®Chek Card
    • Free Internet Banking
    • Ready View Check Images**
    • 1st box of checks free (Style designated by ISB)

NOW Account

  • Description: This account is perfect for those who are comfortable maintaining a higher balance and want to earn interest!
  • Minimum Balance: $500 or $1,500 average collected balance
  • Monthly Service Charge: $5.00 per month and $0.20 per check written in if minimum balance is not maintained
  • Interest: Yes, current rate is paid on all positive balances
  • Additional Benefits:
    • Unlimited check writing
    • Free ISB ATM access
    • Free Ready Phone Banking
    • Free SHAZAM®Chek Card
    • Free Internet Banking
    • Ready View Check Images**
    • 1st box of checks free (Style designated by ISB)

NOW Account for Seniors

  • Description: Designed for individuals aged 62+ with extra advantages at no extra cost!
  • Minimum Balance: None
  • Monthly Service Charge: None
  • Interest: Yes, current rate is paid on all positive balances
  • Additional Benefits:
    • Unlimited check writing
    • Free ISB ATM access
    • Free Ready Phone Banking
    • Free SHAZAM®Chek Card
    • Free Internet Banking
    • Ready View Check Images**
    • 10 free photocopies per month
    • 1st box of checks free (Style designated by ISB)

KASASA ACCOUNTS

kasasa-logoClick on KASASA image for more information about our KASASA accounts.


SAVINGS ACCOUNTS

Money Market Savings*

  • Description: Our tiered money market account offers a higher rate of return while allowing the flexibility of 6 withdrawals per month!
  • Minimum Balance: None
  • Monthly Service Charge: $5.00 fee if the balance in the account falls below $1000.00.
  • Interest: Yes, tiered as follows:
    • $0 – $2,499.99
    • $2,500 – $9,999.99
    • $10,000 – $49,999.99
    • $50,000 – $99,999.99
    • $100,000 – and up
  • Additional Benefits:
    • 6 free withdrawals per month
    • Free Ready Phone Banking
    • Free Internet Banking
    • Ready View Check Images**

Passbook Savings*

  • Description: This basic account is the perfect “starter” savings. You’ll enjoy flexible terms and earn interest on your balance!
  • Minimum Balance: $2.00 per month will be charged if balance is under $100.00 (fee will be waived for account holders 22 years of age and under)
  • Monthly Service Charge: $1.00 plus sales tax on withdrawals over 5 per month.
  • Interest: Yes, rate is variable and paid quarterly
  • Additional Benefits:
    • 5 free withdrawals per month
    • No limit on deposits
    • Free Ready Phone Banking
    • Free Internet Banking

Certificates of Deposit (CDs)

  • Description: With terms from three months to five years, our CDs conform to your time frame.They offer guaranteed rates and insured safety!
  • Minimum Balance: $1,000 – $250 minimum deposit for kid’s club Certificates of Deposit (CD’s) & full-time students 22 years of age and under.
  • Monthly Service Charge: None
  • Interest: Yes, rate is determined when CD is purchased
  • Additional Benefits:
    • Flexible terms
    • Guaranteed rates
    • Insured safety
    • Free Ready Phone Banking
    • Free Internet Banking

*Transaction Limitations – Savings accouts are limited to no more that 6 transfers or withdrawals each month by draft, debit card, telephone, ACH or preauthorized or automatic transfer, including online or bill-pay, payable to third parties. **A fee of $2.00 for paper images per month will be charged plus sales tax.