Personal Checking Accounts
Checking and Savings Depositors must be New Jersey residents.

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Regular Checking

NOW Checking

Super NOW Checking

50+ Checking Account

REWARDS Checking

Account Service Fees

Regular Personal Checking
Minimum Deposit to Open Account	$50
Minimum Balance to Remain Active	$1.00
Interest Rate	None

This type of account, available for individuals, families or households, provides an unlimited number of written checks per month and no monthly service charge. This account also qualifies as a New Jersey consumer checking account.

Terms

This is a non-interest bearing account. There are no limits on number of checks written or deposits per month. Minimum of $50.00 deposit to open account. Account must maintain a minimum balance of $1.00 to remain active. There is a nominal charge for imprinted checks. Other account fees may apply.

NOW Personal Checking
Minimum Deposit to Open Account	$500
Minimum Balance to Obtain Annual Percentage Yield	$500
Interest Rate	.50%
Annual Percentage Yield	.50%
Interest is Compounded/Credited	Continuously/Monthly

NOW and SUPER NOW Checking Accounts are available to individuals, non-profit organizations, and sole proprietors. Whenever your NOW account balance is $2,000.00 or more, you'll enjoy the benefits of a SUPER NOW account. By linking your account to a Regular Savings Account, Market Rate Account or a Certificate of Deposit with a balance of $5,000 or more, or by signing up for any recurring direct deposit, the minimum balance requirement will be waived.

Super NOW Personal Checking
Minimum Deposit to Open Account	$2,000
Minimum Balance to Obtain Annual Percentage Yield	$2,000
Interest Rate	.75%
Annual Percentage Yield	.75%
Interest is Compounded/Credited	Continuously/Monthly

50+ Checking Account

If you're over 50, you qualify for these Checking Account benefits!

No monthly service charge regardless of balance Competitive interest rate Free direct deposit Free wallet style checks Free Visa® Check Card Free On-line Banking Free American Express Travelers Checks 1/4% Discount on Consumer Loan with auto-transfer Free Certified Checks Free Stop Payments

Contact Us about opening your 50+ Checking Account today!

Terms for both NOW and Super NOW accounts:

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example,checks). If you close your account before interest is credited, you will not receive the accrued interest. 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. Interest paid on the full balance in the account at the rate that corresponds to that deposit tier. Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. If the balance in your account falls below $500.00 in a statement cycle there is a $5.00 service charge. Other account fees may apply.

REWARDS Checking Minimum deposit to open account $5,000
Interest Rate Tiers	Interest Rate	Annual Percentage Yield	Interest Is Compounded/Credited
$1 - $9,999	.75%	.75%	Continuously/Monthly
$10,000 - $19,999	1.72%	1.75%	Continuously/Monthly
$20,000 & over	2.69%	2.75%	Continuously/Monthly

With REWARDS checking, it's easy to meet your personal cash management needs without complicated requirements or multiple accounts. Open a REWARDS Checking account today and enjoy: Unlimited check writing Free Bonus Visa Check Card Free Rewards wallet style checks 3x5 Safe Deposit Box free for one year (where available) Free money orders Free bank checks Free telephone banking Free online banking Free online bill payment

Terms for REWARDS Checking accounts: Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example,checks). If you close your account before interest is credited, you will not receive the accrued interest. 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. Interest paid on the full balance in the account at the rate that corresponds to that deposit tier. Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. If the daily balance in your account falls below $10,000 in a statement cycle there is a $15.00 monthly maintenance fee. Other account fees may apply.

Checking Account Service Fees

Certified Check $10

Stop Payment $15

Insufficient Funds $25

Wire transfers Incoming Domestic: $10 Foreign: $10

Wire transfers Outgoing Domestic: $20 Foreign: $30

Photocopy of check or deposit slip $3

Check or deposit slip over 30 days $4

Account statement copy $3 per page

Account statement over 30 days $4 per page

Levy & Lien or Legal action processing $50 per service

Account Reconciliation/Research $25 Per hour

Standby Transfer to cover NSF $5

Check Protest Fee $5 each