Adams National Bank offers the individual an array of account options for both checking and savings. Most important of all to the individual customer, Adams provides the personal service and access that only a local community bank can provide.

• Adams Access
  A traditional checking account that requires no minimum balance and has no monthly maintenance fees.
• Personal NOW Checking
  Allow your excess funds to earn interest at a variable rate, while maintaining unlimited check writing ability.
• Senior Citizen Checking
  For our clients over the age of 55, Adams Bank offers our NOW checking account with no monthly maintenance fees.
• Money Market Accounts
  More flexible than the traditional savings account, personal Money Market Accounts pay interest on three balance tiers and allow for limited check writing and withdrawal privileges.
• Certificates of Deposit
  The best way to lock in a guaranteed rate of return. Adams offers both consumer and investment CD's with terms from 14 days to five years. We'll even customize a term that fits your specific needs.
• IRA's
  Save for your retirement today with either our fixed-term or variable-rate Individual Retirement Account.
• Traditional Savings
  Today's savings accounts combine the best features of passbook savings accounts without the hassles of remembering the passbook. Our accounts provide quarterly statements, ATM access and interest paid on daily collected balances.
• Junior Savings
  Specifically designed for our youngsters who want to begin saving early. The account has no monthly maintenance fees and requires a qualified guardian to open.
• On-line Account Access
  View your account activity, pay bills, transfer funds and more though our new internet account access service.
• ATM/POS
  Use your ATM card at ATM's and Point of Sale terminals world-wide.
• Wire Transfers
• Foreign Collections
• Night Depository
• Bank by Mail
• Direct Deposit
• 24 hour Telephone Banking
• Overdraft Protection Accounts
• Travelers Checks, Money Orders, Cashiers' Checks
• Signature Guarantee and Notary Services
• Safe Deposit Services (at specific locations)
• Purchase U.S. Savings Bonds