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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
  • No Service Fees

Fresh & Free*

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

ADB Club

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

Health Savings (HSA) Account

  • $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)
  • Interest Bearing
  • 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)
  • Interest Bearing
  • 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
  • Interest Bearing
  • Quarterly Statements
  • No Service Fees

Money Market **

  • $5,000 Opening Deposit
  • $5,000 Minimum Balance ($10 Monthly Charge if Minimum Balance is Not Maintained)
  • Interest Bearing
  • 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.

Time Certificates of Deposit

  • $500 Minimum Deposit
  • Terms ranging from 3 Months to 60 Months
  • 10-Day Grace Period Upon Maturity

Individual Retirement Account (IRA)

  • $50 Minimum Deposit
  • Terms Ranging From 3 Months to 60 Months
  • 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.

Free For Customers

  • Gift Cards
  • Online Banking & Bill Pay
  • Cashiers Check
  • Money Order
  • Telephone Transfer
  • ADB's Foreign ATM Charge
  • ATM/Debit Card Replacement
  • Cash Advance
  • Copy of Check
  • On-Us Check Cashing
  • Copy of Statement
  • Balance Assistance
  • Notary Services
  • Zipper Bags
  • Coin Counting
  • Electronic Statements
  • Exceptional Customer Service With a Smile

Fees For Customers

  • Overdraft Fee - $30
  • Return Item Fee - $25
  • Return Deposit Item Fee - $5
  • Stop Payment Fee - $30
  • International Wire - $30

    (Incoming & Outgoing)

  • Domestic Wire - $15

    (Incoming & Outgoing)

  • Garnishments - $25
  • Levy - $25
  • Research - $25/hr

*Some restrictions apply.

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