Checking

Economy Checking Account Minimum Balance to avoid imposition of fees: A flat-service fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle. Fees: A debit-item-charge fee of $.25 will be charged for each debit transaction (withdrawal check paid, automatic transfer, or payment out of this account). This fee will apply if your balance falls below $50.00 on any day during the cycle. Regular Checking Account Minimum balance to avoid imposition of fees: A flat service fee of $3.00 will be imposed every statement cycle if the average daily balance for the cycle falls below $300.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees: A debit-item-charge of $.20 will be charged for each debit transaction (withdrawal check paid, automatic transfer, or payment of this account). This fee will apply if your average daily balance falls below $300.00 for the monthly statement cycle. Money Market Investment Account (MMI) 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. Minimum balance to open the account: You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees: A flat-service fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000 any day of the cycle. Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate of the principal in the account each day. Accrual of interest on non-cash deposits: Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Transaction limitations: Unlimited over-the-counter withdrawal. Other transfers from a Money Market investment account (MMI) to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties. Fees: A debit item fee of $1.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment of of this account) in excess of six during a statement cycle. NOW ACCOUNT 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. Minimum balance to open the account: You must deposit $500.00 to open this account. Minimum balance to avoid imposition of fees: A flat-service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $500 any day of the cycle. Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate of the principal in the account each day. Accrual of interest on non-cash deposits: Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).