Checking Accounts

• Free Checking
• Checking Account
• Club Checking Account
• Money Market Account
• Savings Account
• Christmas Club Account
• Now Account
• Super Now Account

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Totally Free Checking

Limitations: Limited to personal accounts only. Duplicate check required. Cancelled check will not be mailed back to you in your monthly statement.

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Checking Account

Minimum balance to avoid imposition of fees:

• If your balance falls below $100.00 on any day in the monthly statement cycle we will impose a maintenance fee of $4.00 once during the statement cycle. This fee is waived for customers age 62 and over, full-time students, military personnel, clubs and organizations.
• If your balance is at least $100.00 on every day in the monthly statement cycle but falls below $200.00 on any day during the monthly statement cycle we will impose a maintenance fee of $3.00 once during the statement cycle. This fee is waived for customers age 62 and over, full-time students, military personnel, clubs and organizations.
• If your balance is at least $200.00 on every day in the monthly statement cycle but falls below $300.00 on any day during the monthly statement cycle we will impose a maintenance fee of $2.00 once during the statement cycle. This fee is waived for customers age 62 and over, full-time students, military personnel, clubs and organizations.
• If your balance is at least $300.00 on every day in the monthly statement cycle but falls below $400.00 on any day during the monthly statement cycle we will impose a maintenance fee of $1.00 once during the statement cycle. This fee is waived for customers age 62 and over, full-time students, military personnel, clubs and organizations.

Fees:
A per check fee of $.10 will be charged for each check in excess of 30 during a statement cycle. This fee will not apply to customers 62 and over, full-time students, military, business, clubs, and organizations. If at a time other than opening of account you become eligible for waived service fees (age 62 and over, military personnel, or a full-time student), you must notify bank. Once we are aware that you are no longer a student or in the military, the maintenance fee (as shown above) will be assessed.

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Club Checking Account

Fees: A Club membership fee of $6.00 (Individual), $8.00 (Family), $3.00 (Club 55 Individual), or $5.00 (Club 55 Family) will be charged each statement cycle. This fee will apply if the customer is a member of "The Club." If at a time other than opening of account you become eligible for reduced fees (age 55), you must notify the bank.

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Money Market Account

• Rate Information: The interest rate and annual percentage yield may change. This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart.
• Frequency of rate changes: We may change the interest rate on the account at any time.
• Determination of rate: At our discretion, we may change the interest rate on the account.
• Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to the account every month.
• Minimum balance to open the account: You must deposit $2,500.00 to open this account.
• Minimum balance to avoid imposition of fees: A maintenance fee of $5.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle. 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.
• Daily Balance computation method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Transaction Limitations: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

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Savings Account

• Rate Information: The interest rate and annual percentage yield may change. This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart.
• Frequency of rate changes: We may change the interest rate on the account at any time.
• Determination of rate: At our discretion, we may change the interest rate on the account.
• Compounding and crediting frequency: Interest will be compounded every day. Interest will be credited to the account every six months.
• Minimum balance to open the account: You must deposit $10.00 to open this account.
• Minimum balance to avoid imposition of fees: A maintenance fee of $3.00 will be imposed every calendar quarter if the minimum balance for the calendar quarter falls below $100.00. This fee will not be charged for Senior Citizens (62 and over), full-time students, military personnel, anyone under 18 years of age, and clubs and organizations. If at a time other than opening of account you become eligible for waived service fees (age 62 and over, military personnel, or a full-time student), you must notify bank. Once we are aware that you are no longer a student or in the military, the maintenance fee (as shown above) will be assessed.
• Daily Balance computation method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Transaction Limitations: Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

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Christmas Club Account

• Rate Information: The interest rate and annual percentage yield may change. This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart.
• Frequency of rate changes: We may change the interest rate on the account at any time.
• Determination of rate: At our discretion, we may change the interest rate on the account.
• Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to the account at the end of the 50th week deadline.
• Minimum balance to open the account: The first weeks deposit due upon opening.
• Daily Balance computation method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Transaction Limitations: You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties. If any withdrawal is made from this account before the end of the club term then this account may be closed.

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Now Account

• Rate Information: The interest rate and annual percentage yield may change. This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart.
• Frequency of rate changes: We may change the interest rate on the account at any time.
• Determination of rate: At our discretion, we may change the interest rate on the account.
• Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to the 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 maintenance fee of $5.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily balance of $2,500.00 for the monthly statement cycle. 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.
• Daily Balance computation method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Fees: A Club membership fee of $6.00 (Individual), $8.00 (Family), $3.00 (Club 55 Individual), or $5.00 (Club 55 Family) will be charged each statement cycle. This fee will apply if the customer is a member of "The Club." If at a time other than opening of account you become eligible for reduced fees (age 55), you must notify the bank.

Super Now Account

• Rate Information: The interest rate and annual percentage yield may change. This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart.
• Frequency of rate changes: We may change the interest rate on the account at any time.
• Determination of rate: At our discretion, we may change the interest rate on the account.
• Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to the account every month.
• Minimum balance to open the account: You must deposit $2,500.00 to open this account.
• Minimum balance to avoid imposition of fees: A maintenance fee of $5.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle. 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.
• Daily Balance computation method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Fees: A Club membership fee of $6.00 (Individual), $8.00 (Family), $3.00 (Club 55 Individual), or $5.00 (Club 55 Family) will be charged each statement cycle. This fee will apply if the customer is a member of "The Club." If at a time other than opening of account you become eligible for reduced fees (age 55), you must notify the bank.