 
Together you
have made a life that works for you. You have raised your children
and recently sent them off to college. It is time for you to
reestablish your goals for the rest of your lives together. Start
planning the trips you have put off and how you want your retirement
to turn out.
Banking Products
Checking and NOW Accounts
The right
checking product for you depends on your needs and objectives. We
offer a wide variety of checking and NOW accounts including Pinnacle Checking
which combines the features of
checking and the earnings of a money market account with
valued-added benefits. To determine
the best product for you, review our
checking options. If you prefer, you can speak with a
Banking Representative at any of our branches or call
our Customer Connections.
Visa® Check (Debit) Cards
Better than an
ATM card, a check card gives you
access to thousands of ATMs worldwide and millions of merchants
wherever Visa Debit Cards are accepted.
AnytimeSM
Banking
With our
Connect24 Online Banking,
Bill Pay and
Telephone Banking services, you can
access your accounts directly from your personal computer or
telephone 24 hours a day, 7 days a week.
Home Mortgage Loans
We offer a
variety of mortgage products and plans designed to meet your requirements for term and
interest rate. If you are about to begin looking for a new home to
accommodate a change in your lifestyle, ask us about our
pre-approval program. You can conveniently
apply online for a
mortgage.
Home Equity Lines of Credit
We have
competitively priced Home Equity Lines of Credit. You may want to
pay college tuition without using your savings, or purchase that
vacation home for your retirement.
Apply for a Home Equity Line
of Credit
at the same time as your first mortgage and save on closing costs.
Classic Lines of Credit
With this
simple unsecured line of credit you can borrow from $10,000 to
$50,000 to meet a variety of financial needs. Enjoy the financial
security of knowing you have an instant source of cash available for
any worthwhile purpose.
Auto Loans
When you have
decided which car is right for you, we can help you determine the
best financing plan for your budget. You can even
apply online.
By establishing automatic loan payments
from your checking account, you don’t need to worry about mailing a
payment.
Credit Cards
We offer a
variety of credit card programs. You can apply for a Platinum
Edition® or Gold Edition® Visa Card and receive all the prestige and
exclusive benefits you deserve in a card.
Systematic Savings
To get you
started on your way to a sound financial future you can sign up for
systematic savings. When you do this, we automatically transfer
funds from your checking to a
money market account.
Insurance and Retirement
Products*
Auto Insurance
Our Insurance Specialists will
work with you to determine all of your coverage options and to
create a budget payment plan for you. With the Electronic Funds
Transfer Option (EFT), your checking account is automatically
debited for your payments when they come due.
Homeowners Insurance
We have the right property and casualty insurance for you.
With the variety of national companies that we represent we can
tailor your policy to your specific needs. The Electronic Funds
Transfer Option (EFT) is usually available for most Homeowners
Insurance premiums.
Term Life Insurance
You will be surprised how little it costs to
lock in a guaranteed annual premium on a term life product. Our
Insurance Specialists will review your options with you and even
provide you with a comparison on permanent life insurance
alternatives.
Health Insurance
There are many
good reasons why you may not have considered health insurance.
There are as many good reasons why you should consider it.
Purchasing an individual health insurance policy can be an arduous
task. We will work to find the right coverage for you, whether it
is permanent or for a given period of time until you are covered by
an employer’s policy.
Disability Insurance
Disability
Insurance can provide you with a financial safety net in cases of
long-term disability. It can pay you monthly benefits if you are
unable to work for an extended period due to illness or injury.
Permanent Insurance
This type of policy is designed for you to keep over a long
period of time. Most have a cash value or cash surrender value
feature. The maturity of Permanent Life policies can be scheduled to
meet anticipated financial needs such as college tuition.
Long-Term Care Insurance
While contemplating extended care
for yourself may seem premature, you may need to consider the cost
of caring for your parents. Long-Term Care Insurance is designed to
provide payments under a variety of care conditions among them
nursing homes, adult day care, hospice care, home health services
and others.
Retirement Plans
Fairfield County Financial
Services offers access to a variety of retirement plans and products
through INFINEX INVESTMENTS, INC.
Securities offered through INFINEX
INVESTMENTS, INC.,
Member
FINRA/SIPC. Infinex and the Bank are not affiliated.
*
Insurance and Investment Products:
-
Not insured by the FDIC
-
Not a deposit or other form of
obligation of the Bank
-
Not insured by any federal government
agency
-
Not guaranteed by the Bank
-
Subject to investment risk; may go down
in value
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