Checking Accounts

Available to any individual, 18 years or older, sole proprietorship, or non-profit corporation upon approval of Chex System. This account is also available to partnerships and for-profit corporate entities.

Minimum deposit to open account is $25.00.

See Product Rates

Funds are easily accessible (subject to Funds Availability). Unlimited number of checks may be written each month without a per check charge.

All funds are insured up to $250,000 by FDIC

All funds are insured in full through December 31, 2012 for all non-interest bearing transaction accounts. This temporary unlimited coverage is in addition to, and separate from the coverage of at least $250,000 available to deposits under the FDIC's general deposit insurance rules.  For more information please call us or the FDIC at 1-877-275-3342 or you can refer to the FDIC Web Site.

• Avoid monthly service charge on checking account.
• No minimum balance required.
• No monthly service charge.
• Easy access
• Safer than cash.
• Monthly Image Statement.
• Unlimited check writing privileges.
• Customer may be eligible for a VISA Debit Card.
• First check order free to new mortgage and consumer loan customers.
• First check order is discounted for all other new accounts. Price of 2nd order may be different.

$2.00 per month (if inactive for more than one year)

Available to any individual, 18 years or older, sole proprietorship, or non-profit corporation upon approval of Chex System. Not available to partnerships and for-profit corporate entities.

Minimum deposit of $2,500.00 to open.

See Product Rates

Funds are accessible by a maximum of six monthly withdrawals, three of which may be checks.

All funds are insured up to $250,000 by FDIC

• Investment account with limited check writing.
• No monthly service charge.
• Interest earned on all balances.
• Monthly Image Statement.

$2.00 per month (if inactive for more than one year)

Available to any individual, 18 years or older, sole proprietorship, or non-profit corporation upon approval of Chex System. Not available to partnerships and for-profit corporate entities.

Minimum deposit to open account is $50.00. A $300.00 minimum balance is required or a $5.00 Service Charge (SC) will be assessed. Service charge may be avoided by maintaining a $300.00 daily balance between consolidated deposit accounts.

See Product Rates

Funds are easily accessible (subject to Funds Availability). Unlimited number of checks may be written each month without a per check charge.

All funds are insured up to $250,000 by FDIC

• Interest earned on all balances.
• Easy access.
• Safer than cash.
• Monthly Image Statement.
• Customers may be eligible for a VISA Debit Card.
• First check order free to new mortgage and consumer loan customers.
• First check order is discounted for all other new accounts. Price of 2nd order may be different.

$2.00 per month (if inactive for more than one year)

Individuals with Basic Checking or NOW accounts with ISB (Upon approval of application by ISB).

$2.00 per month (unlimited usage at any location).

Same as cash at point of sale (anywhere VISA is accepted). Deposits, withdrawals, transfers and balance inquiries at ATMs.

Debit Cards and ATM Cards

• Universal acceptance. VISA is accepted at 15 million locations worldwide.
• Convenience of not having to carry cash or checks.
• Checking and Savings Accounts accessible 24 Hours/7 Days a week.
• Convenience of 7 ISB ATMs located throughout the Altoona area, including the Altoona and Hollidaysburg offices and any Sheetz ATM (320 machines in 6 states).
• Less visits to the bank.
• No per transaction service charge.

• Overdraft Charge (OC) - $32.00 (An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means.)
• Internal TMS Overdraft - $32.00
• Stop Payment Charge (SP) - $32.00
• Balancing Statement for Customers - $20.00 per hour
• Account Research - $20.00 per hour
• Check Copy Fee - $5.00 (First check copy free)
• Check Printing Charge Price - Depends on style of check ordered
• Dormant Checking Fee - $2.00 per month (if inactive for more than one year)

• Monthly Usage Fee - $2.00
• Replacement Card Fee - $5.00
• ATM Overdraft (OC) - $32.00

Personal Unsecured Line of Credit Accounts are available to any person 18 years or older to use for personal, family or household purposes.

$7,500.00

See Product Rates
Fixed - same as Home Equity Fixed Rates

Overdraft Protection, Home Improvements, Major Purchases (Boat, Automobile or Appliances), Bill Consolidation, Vacation and Higher Education.

• Avoid the $32.00 NSF Charge.
• Avoid the embarrassment of overdrawing your checking account.
• Peace of mind knowing your are protected in case you accidentally make an error in your checkbook.
• Variable interest rate.
• Decrease in monthly payment as outstanding balance decreases. (Monthly Payment is 3.00% of outstanding balance. Minimum Payment $25.00)
• As payments are made, funds become available to be used again.
• Quick approval.
• No closing costs.