For personal and/or business customers who want a savings account that earns interest and offers instant access with no charge for personal in-branch deposits.

Benefits:  Earn interest on daily balance; up to 6 free withdrawals during the month ($5 per withdrawal thereafter, except at our ATMs).

Fees:  The fee for a Consumer Savings account at each monthly statement cycle is $4.00 and the fee for a Business Savings account is $5.00, unless you maintain a minimum daily balance of $300 in the account.  No fees are charged to accounts owned by or for the benefit of a minor. Transfers from a Savings account to an account at another institution or to third parties by preauthorized, automatic ACH, online banking, or telephone transfer are limited to 6 per month.

Minimum balance to open account is $100.

For customers who want liquidity while earning high, money market interest rates.

Benefits: Earn very high interest on daily balance; flexible transaction allowance

Fees: The fee at each monthly statement cycle is $7.50 unless you maintain a minimum daily balance of $2,500 every day of the cycle. Minimum balance to open account is $100. You may make an unlimited number of transfers in person or by mail to another Plumas Bank account, make a loan payment or purchase cashier's checks. Transfers from a Money Market Savings account to an account at another institution or to third parties by preauthorized, automatic, or telephone transfer are limited to 6 per statement cycle, or similar order to third parties. There is a $5.00 fee for every item in excess of this limit.

For customers who want guaranteed returns within a specific period of time.

Benefits: Automatically renewable; only $500 minimum opening deposit

For customerw who want funds deposited to pay for qualified medical and dental expenses.  Individuals must be covered under a High Deductible Health Plan, as defined by IRS Code Section 223.

Benefits:  For qualifying individuals, deposits made to this account can be deducted from taxable income.  Earns interest on funds that are liquid.

Fees:  The fee at each monthly statement cycle is $3; Initial Set-up Charge is $15; Account Closure Service Charge is $25.

Minimum balance to open account is $100.

For customers who want a plan to help save for holiday gift shopping.

Benefits: Regular pre-determined deposits

Fees: Interest lost on premature withdrawals

IRA's »

For customers who want to set aside money for retirement.

Benefits: Tax benefits; FDIC Insured

Fees: Minimum opening balance: $500

Setup Fee: $25.00

Annual Fee: $25.00, waived if minium balance is $25,000 or greater.

For the customer that wants to earn a higher interest rate for a fixed period of time, and wants the flexibility of adding-on to their certificate of deposit at any time.

Benefits: There's no need for numerous CD's, it's great for any reason from college to retirement

Fees: Minimum opening balance of $500. No fee applies if CD is held until maturity, 365 days