Checking

 Free Checking

• No Minimum Balance
• No Monthly Service Charge
• No "Per Check" Charge
• Unlimited Check Writing
• Free Check Images in Monthly Statement
• Visa Check Card Available

*Upon eligibility, the Bank may, at its discretion and without obligation, pay an item initiated for payment against your account if your account does not contain sufficient funds. An overdraft fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We will charge you a fee of up to $30 each time we pay an overdraft. Also, if your account is overdrawn for one or more consecutive days, we will charge an additional 18% interest per calendar day on the amount overdrawn. The amount of any overdrafts, including our fees, shall be due and payable immediately.

Bank Club

• No Minimum Balance Required to Maintain Account
• Distinctive Personalized Checks
• Unlimited Check Writing
• Cashier's Checks & Money Orders
• Check Images included with Monthly Statement
• No Fee Visa Check Card
• $5.00 Stop Pay Discount
• Automatic Funds Transfer
• Wire Transfers
• Senior Benefits

Minimum balance to Open the account - You must deposit $100.00 to open this account.

Fees: A service charge fee of $7.00 will be charged each monthly statement cycle.

The Bank Club service charge is $3.50 per month for Senior Citizens (age 65 and over). If we have been notified.

Regular Checking

Minimum balance to open the account - You must deposit $100.00 to open this account.

Fees: A service charge fee of $3.00 will be charged each monthly statement cycle. This fee will not apply to customers age 65 or older, if we have been so notified. A service charge of $.12 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) during a monthly statement cycle. This fee will not apply to customers age 65 or older, if we have been so notified. You will earn a credit of $.25 for each $100.00 of the lowest balance (daily) attained during the statement cycle. This earning credit will be applied to reduce your service charge.

Now

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Fees: A service charge fee of $.15 will be charged for each debit transaction in excess of 30 during a monthly statement cycle.

Super Now

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - If your balance falls below $500.00 on any day in the monthly statement cycle we will impose a service charge fee of $10.00 once during the statement cycle.

If your balance is at least $500.00 on every day in the monthly statement cycle but falls below $1,000.00 on any day during the monthly statement cycle we will impose a service charge fee of $5.00 once during the statement cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Fees: A service charge fee of $.15 will be charged for each debit transaction in excess of 30 during a monthly statement cycle.

Money Market

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Fees: A service charge fee of $1.00 will be charged for each check or debit in excess of six during a statement cycle.