Limitations: You must deposit $100.00 to open this account.

Account Fees: If Average Collected Balance drops below $5000 a $10 monthly service charge plus $.25 per debit over 50 and a $.25 per item deposited over 100 will be charged to the account. 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.

Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the average daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at anytime. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Account Fees: If Average Collected Balance drops below $2500 a $10 monthly service charge plus $.25 per debit over 50 and a $.25 per item deposited over 100 will be charged to the account. 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.

Limitations: You must deposit $100.00 to open this account.

Account Fees: $2500 average collective balance to avoid $10.00 monthly service. 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.

Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change at our discretion; we may change the interest rate on the account at anytime. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: 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. 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.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: $2500 required minimum daily balance to avoid $15.00 monthly service charge. Federal regulations permit a maximum of six pre-authorized transfers per statement cycle. No more than three of the transfers may be payable to a third party. If you exceed this limit, there is a $10.00 charge for each additional debit transaction. 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.

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.