We Know That You Work Hard for Your Money
Making a decision on where to save or invest it shouldn’t be taken lightly. Adams Community Bank's goal is to make customers’ retirement decisions uncomplicated and pleasant—as well as find a plan that works for you.
Our customer service staff can assist you with deciding if a Certificate of Deposit or IRA Retirement account would be best for you—as well as if it should be a Traditional IRA or ROTH IRA.
Our staff looks forward to working with you and having you stop by one of our seven convenient locations.
Security Safeguards Security Safeguards my money my money 
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 SMS Text Banking
Now you can review your finances via simple text messaging on your mobile phone. Need to check your balance and look at your transactional history? Use your phone with the safety and security you’ve come to expect to truly make your money work where and when you need it. Signing up is free*. Just log into your account and register for Mobile Text Banking on the Account Services page.
*Data fees may apply from your mobile carrier. Mobile Banking
It's Free & Easy to view your account information, transfer funds and pay your bills from your mobile device! No registration is required! Just login using your existing online username and password.
* Data fees may apply from your mobile carrier.
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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Accounts) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all nontinterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/html.
However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.
ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001
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COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.
ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001 Business Lending Team
| William Wheelock |
SVP, Credit Administration |
Email Bill |
(413) 749-1125 |
| Pamela Duval |
VP, Underwriting & Analysis |
Email Pam |
(413) 749-1135 |
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| Maureen Baran |
SVP, Business Development |
Email Maureen |
(413) 749-1171 |
| Pamela Duval |
VP, Underwriting & Analysis |
Email Pam |
(413) 749-1135 |
| Laurie Pelczynski |
Business Development Officer |
Email Laurie |
(413) 749-1122 |
| Kristin Bona |
Business Development Specialist |
Email Kris |
(413) 749-1165 |
Traditional IRA
An individual retirement arrangement (IRA) is the blanket term for a form of retirement plan that provides tax advantages for retirement savings in the United States. The Traditional IRA allows you to defer taxes on the earnings on your contributions until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which you make them. You are able to establish a traditional IRA if you are younger than 70 ½ for the entire tax year and you or your spouse have compensation. Roth Individual Retirement Account (IRA)
The Roth IRA allows only nondeductible contributions and features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth than a traditional IRA. You are eligible to establish a Roth IRA if you or your spouse has compensation and your modified income does not exceed certain prescribed limits. Certificate of Deposit
A certificate of deposit (CD) is a time deposit. CDs are similar to savings accounts in that they are insured—all CDs are insured by the FDIC. They are different from savings accounts in that a CD has a specific, fixed term and usually, a fixed interest rate. It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest.
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