New Deposit Insurance Limits

On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Consumers and bankers can find additional information regarding FDIC’s deposit insurance coverage by using the link below:

Summary of Deposit Insurance Coverage

eCheckingPlus

Generations Bank’s eCheckingPlus is the best checking account around for those who prefer to bank online, receive estatements and to use their debit card… oh yeah, and who love great rates like:

1.00% APY	*(from 0 - $25,000 balances )**
* 0.15% APY on balances over $25,000

Source: MSN Money as of 10/09/2008.
PLEASE READ THE IMPORTANT DISCLOSURES BELOW This account requires a $100 minimum deposit to open. This is a variable rate account and your interest rate and annual percentage yield may change daily. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is accrued daily and credited to your account on your monthly statement cycle date.
* on balances up to $25,000.00 Balances over $25,000 earn 0.15% APY. If requirements are not met, the APY on all balances will be 0.10% and normal ATM fees will apply. Annual Percentage Yield (APY). Rates are effective Oct 15, 2009 and subject to change. Available on personal eChecking accounts only. When you meet the minimum requirements, you automatically get ATM fee refunds up to $6 per statement cycle.

Relationship Money Market

Generations Bank’s Relationship Money Market is just the right solution to reward you for having your banking relationship with us. You’ve worked hard for your money; let your money work hard for you in our Relationship Money Market account when you have a total banking relationship with us of $50,000 or more.

Certificates Of Deposit

Generations CD Rates

• Great Rates – Everyday

• Safe & Secure - FDIC Insured

• Easy To Open At Any Of Our Locations

Special Promotional Rates

Relationship Accounts earn a 0.25% Bonus Rate!

GENERATIONS OVERDRAFT PRIVILEGE

All of our checking accounts carry an overdraft privilege limit and one of the lowest overdraft fees in the nation.

In addition, you can apply for a line of credit that protects your account by advancing funds to your checking account.

Or, set up overdraft protection by linking your checking account to a savings or money market account.