Deposit Accounts

We offer a variety of personal deposit accounts. Take a look at the benefits and choose the one that best fits your needs.

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Yampa Checking

Account Details

  • No monthly fee or minimum balance
  • First check order FREE
  • Unlimited check-writing privileges
  • Monthly statements
  • ATM/Debit Card access FREE
  • Optional imaged checks for $7/mo
  • Minimum opening deposit of $100 required

Senior Checking (55+)

  • Free imaged checks in statement
  • Free checks

Teen Checking (13-18 yrs old)

  • Must be joint with parent or legal guardian
  • Debit Card available with lower limits

Personal Merit Checking

Account Details

  • No monthly service charge if total daily balances combined in checking, savings, and CD remain above $2,500 or outstanding loan balances remains above $5,000 ($10/mo otherwise)
  • Tiered interest rate
  • Unlimited check writing
  • Monthly statements
  • Imaged checks
  • ATM/Debit Card access FREE
  • Minimum opening deposit of $100 required

Money Market Checking

Account Details

  • No monthly service charge if total daily balances remain above $2,000 ($10/mo otherwise)
  • Tiered interest rate
  • Monthly statements
  • Imaged Checks
  • Withdrawals are limited to six pre-authorized per month; $9 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM
  • Minimum opening deposit of $2,000 required

Premier Money Market Checking

Account Details

  • Premium tiered interest rates on balances over $100,000
  • No monthly service charge if daily balance remains above $2,000 ($10/mo otherwise)
  • Monthly statements
  • Imaged checks
  • Withdrawals are limited to six pre-authorized per month; $9 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM
  • Minimum opening deposit of $2,000 required

Prime Savings

Account Details

  • No monthly service charge if daily balance remains above $100 ($5/mo otherwise)
  • Tiered interest rate
  • Quarterly statements
  • Withdrawals are limited to six pre-authorized per month; $2 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM
  • Minimum opening deposit of $100 required

Minor Savings

Account Details

  • No service charges
  • Primary holder of the account must be under 18 years of age
  • Quarterly statements
  • Parent or guardian also required on account
  • Limit one account per minor
  • Withdrawals are limited to six pre-authorized per month; unlimited withdrawals allowed in person, by mail or by ATM.
  • Minimum opening deposit of $25 required (no minimum balance thereafter)

Time Certificates

Fixed Rate Certificates*

  • Minimum opening deposit of $1,000
  • Terms available from one month up to 60 months
  • Certificates are automatically renewed

*Interest compounded daily. Penalty may apply for early withdrawal

IRA Certificates*

Roth & Traditional IRAs

  • Minimum opening deposit of $100
  • Automatically renewed
  • Additions to certificate permitted (minimum of $100)

*Interest compounded daily. Penalty may apply for early withdrawal.

Health Savings Account (HSA)

The Healthy Way to Save

Health Savings Accounts (HSA) are a tax-free way to pay for qualified out-of-pocket medical expenses associated with a high deductible insurance plan. Ask one of our Account Representatives for a detailed explanation and brochure.

  • $20 set up fee for non-customers; waived for existing customers or new customers establishing other new accounts
  • FREE Debit Card (Optional)
  • No Transaction Fees
  • Check printing fee will be based on quantity and type of check ordered
  • Tiered Interest Rate

Overdraft Protection

  • Avoid NSF fees
  • Apply for a line of credit between $100-$2,000
  • Payment is automatically debited from checking account
  • No transfer fees

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