Account Terms and Fee Schedule

Regular Checking

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/Super Now Checking

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.

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, Money Market 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.

Rewards Checking

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

Returned Deposited Item	$10
Certified Check	$10
Stop Payment	$15
Insufficient Funds	$25
Wire transfers Incoming - Domestic	$10
Wire transfers Incoming - Foreign	$10
Wire transfers Outgoing - Domestic	$20
Wire transfers Outgoing - Foreign	$30
Photocopy of check or deposit slip	$3
Check or deposit slip over 30 day	$4
Account statement copy per page	$3
Account statement over 30 days per page	$4
Levy & Lien or Legal action processing per service	$50
Account Reconciliation/Research per hour	$25
Standby Transfer to cover NSF	$5
Check Protest Fee each	$5

Checking Account Comparison Chart