Personal Banking

NON-INTEREST BEARING PERSONAL CHECKING ACCOUNTS

Account Name	Minimum balance to open the account	Fee if balance falls below the minimum any day of the cycle	Fees	Account Provisions
Golden Age	$100.00	N/A	No Monthly Fees	Must be 65 or older.
Basic Checking	$100.00	$4.00 monthly fee if balance falls below $400.00	15¢ for each check written in excess of 30 during a statement cycle.	N/A
Student Checking	$100.00	$4.00 monthly fee if balance falls below $100.00	15¢ for each check written in excess of 30 during a statement cycle.	Must be enrolled full time in a primary or secondary education program. Proof of student status, date of birth, name of school and anticipated graduation date required. Account will revert to a Basic Checking on anticipated graduation date.

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INTEREST BEARING PERSONAL CHECKING ACCOUNTS

Account Name	Minimum balance to open the account	Fee if balance falls below the minimum any day of the cycle	Fees	Account Provisions
Homeowners Choice	$100.00	See Account Provisions	Entitles Mortgage Loan Customers to No Monthly Fees. See Account Provisions.	Mortgage Account Required. If no mortgage or if mortgage is paid off, a service charge of $6.00 will be imposed every statement cycle if the balance in the account falls below $550.00 any day of the cycle.
NOW Account	$1,000.00	$6.00 monthly fee if balance falls below $550.00	15¢ for each check written in excess of 30 during a statement cycle.	N/A
Prestige Checking	$1,000.00	$10.00 monthly fee if balance falls below $2,500.00	20¢ for each check written in excess of 20 during a statement cycle.	N/A
Classic Insured Money Market	$2,500.00	$25.00 monthly fee if balance falls below $1,000.00	An $8.00 fee will be charged for an excess of 6 transactions per statement cycle. Per item fee of $8.00 for each check written under $250.00.	Transfers to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per month. Cannot be tied to an ATM or Debit Card.
*The annual percentage yields are included in the Rate Chart. The interest rate and annual percentage yield may change at any time. Interest is compounded monthly and will be credited monthly. If the account is closed before interest is credited you will not receive the accrued interest.

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