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Bank With a Banker

At Adams Dairy Bank we have the most complete array of banking services and the biggest ‘neighborly’ smile in banking. And when it comes to your personal banking needs, shouldn’t you be banking with a real person?

So come by and meet your banker and see what personal banking is all about.

Account Freebies

Banking should be easy, accessible, convenient and yes, free. We don’t tack fees onto things like other banks do, it’s just the right thing to do. We do not charge a fee for use of our debit card. Unlike other major banks, we believe debit card usage is a service to you. Free ATM and debit cards (even replacement cards), free checking accounts, free online bill pay, free image statements, free, free, free. Did we say free?

At Adams Dairy Bank we work very hard to keep the cost of banking as low as possible. While other banks charge fees at every turn, we remain committed to delivering service without sacrifice.

 

Personal Checking Accounts

We offer a full array of personal checking accounts designed to fit your specific banking needs.

Free

  • $100 Opening Deposit
  • No Minimum Balance

Fresh & Free*

  • $100 Opening Deposit
  • No Minimum Balance
  • No Service Fees
  • ATM or Debit Card Available after Six (6) Months of Satisfactory Account History

Health Savings (HSA) Account

  • $500 Opening Deposit
  • $500 Minimum Balance ($5 Monthly Charge if Minimum Balance is Not Maintained)
  • Interest Bearing

ADB Club

  • $5 Opening Deposit
  • No Minimum Balance
  • Interest Bearing
  • No Service Fees

Savings & Money Market Accounts

Adams Dairy Bank has a variety of rates and terms available to you. Select a term tailored to your investment needs from 3 months to 60 months.

Statement**

  • $100 Opening Deposit
  • $100 Minimum Balance ($3 quarterly charge if minimum balance is not maintained)
  • Quarterly Statements
  • $1 Charge for Each Withdrawal After Six (6) Per Quarter

Cow Bank** (Under 18)

  • $5 Opening Deposit
  • $5 Minimum Balance ($3 Quarterly Charge if Minimum Balance is Not Maintained)
  • Quarterly Statements
  • $1 Charge for Each Withdrawal After Six (6) Per Quarter
  • The Minor Must Have a Parent or Guardian as a Joint Signer

Christmas Club

  • $5 Opening Deposit
  • No Minimum Balance
  • Quarterly Statements
  • No Service Fees

Money Market **

  • $5,000 Opening Deposit
  • $5,000 Minimum Balance ($10 Monthly Charge if Minimum Balance is Not Maintained)
  • Unlimited Check Writing Privileges
  • Monthly Statements
  • $5 Charge for Each Withdrawal After Six (6) Per Month

Time Certificates of Deposit

Adams Dairy Bank has a variety of rates and terms available to you. Select a term tailored to your investment needs from 3 months to 60 months.

Certificates of Time Deposit***

  • $500 Minimum Deposit
  • Terms ranging from 3 Months to 60 Months
  • Interest Rates Based on Opening Deposit
  • 10-Day Grace Period Upon Maturity

Individual Retirement Account Certificates of Time Deposit***

  • $50 Minimum Deposit
  • Terms Ranging From 3 Months to 60 Months
  • Tiered Interest Rates Based on Opening Deposit
  • 10-Day Grace Period Upon Maturity

Additional Info

Seriously. We’ve tried to include everything you need in one convenient place, but if you don’t see it – ask us and we’ll find it.

*Some restrictions apply.

**Limited to six (6) withdraws from an account each statement cycle. This includes Automated Clearing House, electronic or transfer withdrawals.

***Penalty may be imposed for early withdrawal.