Deposit Accounts
Regular Checking
- Description: Our simplest and lowest cost account, designed for people who want economy and unlimited check writing!
- Minimum Balance: None
- Monthly Service Charge: None
- A fee of $2.00 per month for each dormant account will be charged (Only for accounts with balances below $100.00). *An account is considered dormant after 365 days without any activity.
- Interest: No
- Additional Benefits:
- Unlimited check writing
- Free ISB ATM access
- Free Ready Phone Banking
- Free SHAZAM®Chek Card
- Free Internet Banking
- Free Ready Protection
- Ready View Check Images**
- 1st box of checks free (Style designated by ISB)
NOW Account
- Description: This account is perfect for those who are comfortable maintaining a higher balance and want to earn interest!
- Minimum Balance: $500 or $1,500 average collected balance
- Monthly Service Charge: $5.00 per month and $0.20 per check written in if minimum balance is not maintained
- Interest: Yes, current rate is paid on all positive balances
- Additional Benefits:
- Unlimited check writing
- Free ISB ATM access
- Free Ready Phone Banking
- Free SHAZAM®Chek Card
- Free Internet Banking
- Free Ready Protection
- Ready View Check Images**
- 1st box of checks free (Style designated by ISB)
NOW Account for Seniors
- Description: Designed for individuals aged 62+ with extra advantages at no extra cost!
- Minimum Balance: None
- Monthly Service Charge: None
- Interest: Yes, current rate is paid on all positive balances
- Additional Benefits:
- Unlimited check writing
- Free ISB ATM access
- Free Ready Phone Banking
- Free SHAZAM®Chek Card
- Free Internet Banking
- Free Ready Protection
- Ready View Check Images**
- 10 free photocopies per month
- 1st box of checks free (Style designated by ISB)
KASASA ACCOUNTS
Click on KASASA image for more information about our KASASA accounts.
SAVINGS ACCOUNTS
Money Market Savings*
- Description: Our tiered money market account offers a higher rate of return while allowing the flexibility of 6 withdrawals per month!
- Minimum Balance: None
- Monthly Service Charge: None
- Interest: Yes, tiered as follows:
- $0 - $2,499.99
- $2,500 - $9,999.99
- $10,000 - $49,999.99
- $50,000 - $99,999.99
- $100,000 - and up
- Additional Benefits:
- 6 free withdrawals per month
- Free Ready Phone Banking
- Free Internet Banking
- Ready View Check Images**
Passbook Savings*
- Description: This basic account is the perfect "starter" savings. You'll enjoy flexible terms and earn interest on your balance!
- Minimum Balance: $2.00 per month will be charged if balance is under $100.00 (fee will be waived for account holders 22 years of age and under)
- Monthly Service Charge: $1.00 plus sales tax on withdrawals over 5 per month.
- Interest: Yes, rate is variable and paid quarterly
- Additional Benefits:
- 5 free withdrawals per month
- No limit on deposits
- Free Ready Phone Banking
- Free Internet Banking
Certificates of Deposit (CDs)
- Description: With terms from three months to five years, our CDs conform to your time frame.They offer guaranteed rates and insured safety!
- Minimum Balance: $1,000 - $250 minimum deposit for kid's club Certificates of Deposit (CD's) & full-time students 22 years of age and under.
- Monthly Service Charge: None
- Interest: Yes, rate is determined when CD is purchased
- Additional Benefits:
- Flexible terms
- Guaranteed rates
- Insured safety
- Free Ready Phone Banking
- Free Internet Banking
*Transaction Limitations - Savings accouts are limited to no more that 6 transfers or withdrawals each month by draft, debit card, telephone, ACH or preauthorized or automatic transfer, including online or bill-pay, payable to third parties.
**A fee of $2.00 for paper images per month will be charged plus sales tax.
