Deposit Accounts

We offer a variety of accounts to meet your needs. Let one of our New Account Representatives help answer any questions you may have.

Basic Checking Account

• • Open with a Minimum Deposit of $100.00
  • No Service Charge
  • Debit Card Availability
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • Unlimited Check Writing
  • Automatic Transfer Between Accounts
  • Bill Pay – The First 8 Transactions Per Month are Free, Each Additional Transaction is $0.55.

NOW Account
(Personal & Business)

• • Open with a Minimum Deposit of $500.00
  • Maintain an Actual Daily Balance of $500.00 to Avoid a Monthly Service Charge $10.00 if Not Maintained
  • Debit Card Availability
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • Unlimited Check Writing
  • Automatic Transfer Between Accounts
  • Bill Pay – The First 8 Transactions Per Month are Free, Each Additional Transaction is $0.55
  • Interest Bearing Account – Interest Paid Monthly

ISB Rewards Account

• • Open with a Minimum Deposit of $100.00
  • Debit Card Availability
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • Unlimited Check Writing
  • Automatic Transfer Between Accounts
  • Bill Pay – The First 8 Transactions Per Month are Free, Each Additional Transaction is $0.55
  • Interest Bearing Account – Interest Paid Monthly
  • Foreign ATM Reimbursements Up to $10.00 Per Statement Cycle
  • Must Have the Following: 15 Debit Card Purchases, 1 Direct Deposit or 2 ACH Debits, 1 Online Banking or Mobile Inquiry, 1 e-Statements – If These Requirements are Not Met, a $6.00 Monthly Service Charge is Applied

Interest Bearing Account
(Personal & Business)

• • Open with a Minimum Deposit of $500.00
  • Maintain an Actual Daily Balance of $500.00 to Avoid a Monthly Service Charge of $10.00
  • Debit Card Availability
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • Unlimited Check Writing
  • Automatic Transfer Between Accounts
  • Bill Pay – The First 8 Transactions Per Month are Free, Each Additional Transaction is $0.55
  • Interest Bearing Account – Interest Paid Monthly

Money Market Account

• • Open with Minimum Deposit of $2,500.00
  • Maintain an Actual Daily Balance of $2,500.00 to Avoid a Monthly Service Charge
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • Unlimited Check Writing
  • Rate Determined by Account Balance Tiers

ICSMMDA

• • Open with Minimum Deposit of $250,000: DO NOT have to maintain
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • 15 withdrawal transactions per statement cycle
  • $50 fee after the 16th transaction in statement cycle
  • Rate Determined by FHLB every 1st of month: rate will change every 1st of month.
  • Debit card and checks available

Basic Savings Account

• • Open with a Minimum Deposit of $100.00
  • Maintain an Actual Daily Balance of $100.00 to Avoid a Quarterly Service Charge of $10.00 (Service Charges Waived for Children Up To 18)
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • e-Statement Availability
  • Transaction Limits Apply – Transactions in Excess of 9 Per Statement Cycle are $2.00 Per Transaction
  • Interest Bearing Account – Interest Paid Quarterly

Health Savings Account (HSA)

• • Available with Eligibility Requirements
  • No Service Charge
  • Online Banking Availability
  • Mobile Banking Availability – For Mobile Deposits, the First 4 Deposits Per Month are Free, Each Additional Deposit is $1.00
  • Unlimited Check Writing – For Medical Purposes Only
  • Interest Bearing Account – Interest Paid Monthly

Certificate of Deposit

• • Open with Minimum Deposit of $500.00
  • Online Banking Availability
  • Mobile Banking Availability
  • Terms Range From 6 Months to 60 Months with Competitive Rates
  • Interest Rate is Simple and Fixed for the Term Selected
  • Interest is Credited to CD or Another Deposit Account at Quarterly Intervals or an Interest Check Can Be Issued Upon Request.

Individual Retirement Account

• • Traditional and Roth IRAs
  • Variety of Short and Long Term Maturities are Available
  • Online Banking Availability
  • Mobile Banking Availability
  • FDIC Insured for the Security of Both Interest and Principal, Up to Standard Limits

Additional Services*

*Subject to Conditions and Eligibility.

• Account Research – $25.00/hour
• ATM Services
• Bulk Coin Counting
• Cash Advances
• Cashier’s Checks – $2.00/check
• Check Cashing (Customers Only)
• Counter Checks
• Credit Cards – Consumer & Business (not FDIC insured) *
• Debit / ATM Cards – Personal & Business – First 3 Cards are Free; Each Additional Card is $5.00/Card
• E-Mail Statement Delivery
• Mobile Banking
• IntraFi coverage- over $250,000

• Mobile Capture (via Smart Phone) – First 4 Deposits per Month are Free, Each Additional Deposit is $1.00/Deposit
• Notary Services
• Online Banking
• Online Bill Pay – First 8 Payments per Month are Free, Each Additional Payment is $0.55/Payment
• Photocopies
• Safe Deposit Boxes (not FDIC insured) – 3×10 box: $30.00/Year, 5×10 box: $40.00/Year, 10×10 box: $65.00/Year
• Wire Transfer of Funds (Customers Only) – Outgoing and Income Wires $25.00/Wire