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Personal Banking – Checking

REGULAR DDA

Minimum balance to open –

The minimum balance required to open this account is $1.00.

Minimum balance to avoid a fee –

If, during any month, your average daily balance falls below $1,000.00, your account will be subject to a $5.00 Service Charge for that month. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations –

You may make an unlimited number of deposits into your account.

Fees and Charges –

• Auto Transfer:               $0.10 per Debit.
• Service Charge:             $5.00 per month.
• Auto Transfers:             $5.00 per transfer for insufficient item protection.
• Debit Card:                    $1.00 per month per card
• Overdraft Charges:        $28.00 per item. Paid or Returned.

Additional Terms–

You will receive two free checks for each $100.00 average daily balance attained during the statement cycle.

NOW ACCOUNT

Minimum balance to open –

The minimum balance required to open this account is $1000.00.

Minimum balance to avoid a fee –

If your balance falls below $1,000.00 on any day in the month, your account will be subject to a $6.00 Service Charge for that month.

Deposit limitations–

You may make an unlimited number of deposits into your account.

Fees and Charges–

• Check Charge:                 $0.10 per Debit.
• Service Charge:               $5.00 per month.
• Auto Transfers:               $5.00 per transfer for insufficient item protection.
• Debit Card:                      $1.00 per month
• Overdraft Charges:        $28.00 per item. Paid or Returned.

Additional Terms–

You will receive two free check for each $100.00 average daily balance attained during the statement cycle. All service charges and check charges are waived if your account exceeds the $1,000.00 daily minimum balance.

 Rate information–

At our discretion, we may change the interest rate for this account.