Deposits. The Bank offers high quality, personalized products and services while providing our customers with the financial sophistication and array of products typically offered by a larger bank. The Bank offers a full range of deposit services that are traditionally available at most banks and thrift institutions, including checking accounts, NOW account, savings accounts, health savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. The transaction accounts and time certificates are tailored to the principal market areas at rates competitive to those offered in the area. In addition, we offer retirement accounts such as Individual Retirement Accounts. The Bank solicits accounts from individuals, businesses, associations, and governmental authorities.