Personal Deposits

• Pan American Free Checking
  A totally FREE checking account with the following features:
  • no minimum balance (after $50 minimum opening deposit)
  • no monthly service charge
  • unlimited check writing
  • Debit / ATM card
  • your first order of checks - free

• Value Checking With Interest
  An interest bearing checking account with the following features:
  • Debit / ATM card
  • low minimum balance of $250.00
  • low $10.00 monthly balance fee if your balance drops below $250.00
  • minimum opening deposit of $100 (balance fee waived on first statement)
  • your first order of checks - free

Personal Savings Accounts

• Statement Savings
  A convenient and flexible savings account with the following features:
  • 24 hour access to the account using Automated Teller Machines (ATM)
  • interest is compounded and credited to the account monthly (call for the latest rates)
  • low minimum balance of $100.00
  • low $8.00 monthly balance fee if your balance drops below $100.00

• Passbook Savings
  A savings account where your transactions are recorded with every deposit or withdrawal. The teller updates your passbook during each transaction. This savings account has the following features:
  • interest is compounded and credited to the account monthly (call for the latest rates)
  • only $100.00 needed to open the account
  • low minimum balance of $100.00
  • low $8.00 monthly balance fee if your balance drops below $100.00

• Minor Savings
  A great savings account for the younger person, this savings account has the following features:
  • account can be opened for as little as $5.00
  • no minimum balance
  • no monthly fee
  • Interest is compounded and credited to the account monthly (call for the latest rates)

Money Market Accounts

• Personal Premier Money Market
  Our Personal Premier Money Market account offers a competitive rate of return plus the security of FDIC protection. The account features the following:
  • market rate returns and complete liquidity (call for the latest rates)
  • tiered interest rates earn higher interest rates as your account balance reaches higher levels
  • interest is compounded and credited to the account monthly
  • write up to three checks per statement cycle, subject to regulatory restrictions
  • minimum opening deposit of $2500
  • no balance fee if you maintain a $2500 daily minimum balance