Deposits

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

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

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts (“IOLTAs”).

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.