• Unlimited check writing with no per check fees
• Monthly service charges based on the monthly balance.
• Imaged deposits and imaged checks returned in your statement.
• Overdraft Privilege up to $500.00. Overdraft Privilege is automatically added to accounts that have been satisfactorily maintained.
• Automatic Funds Transfer
• Sweep Overdraft Protection

• Printed checks: (Club wallet checks) are provided free. (Other styles and designs of checks are available at a discounted price.)
• Earn interest by maintaining a minimum daily balance of $2,500 for First Club or $1,000 for First Class Club member.
• $25,000 Accidental Death & Dismemberment Insurance and $50,000 Common Carrier Insurance is provided.
• Pay one monthly fee of $8.00 for the FIRST CLUB and $4.00 for the FIRST CLASS CLUB.
• Other benefits include discounts on Safe Deposit box, CD Bonus interest rate, prescription drug discount card, hotel/motel discounts, free lost key protection, and many, many More.

NOW Accounts

• Interest is earned at the current stated rate, and NOW interest rates are subject to change. Federal statutes regulate these accounts. A minimum of $1,000.00 is required to open the account and must be maintained during the monthly statement cycle in order to avoid the monthly service charge of $l 0.00.

Basic Checking Account

• A minimum of $lOO.OO is required to open this account.
• A minimum balance of $1,000.00 must be maintained during the monthly statement cycle in order to avoid the monthly service charge of $8.00. This $8.00 fee can be waived for customers over the age of 65.
• Images of checks and deposit tickets are returned in monthly statement.
  

Free Checking Account

• This is a "truncated-check" account; your canceled checks will not be returned, but you will receive a monthly bank statement.
• Duplicate checks are required for this account.
• A minimum of $100.00 is required to open this account.
• There are no monthly service charges, no minimum balance and unlimited check writing.
• Overdraft Privilege is provided up to $300.00. Overdraft Privilege is automatically added to accounts that have been satisfactorily maintained.
• First fifty (50) checks are free.

Money Market Account

• Interest is earned at the current stated rate and money market interest rates are subject to change. Federal statutes closely regulate these accounts.
• A minimum of $1,000.00 is required to open the account and must be maintained in the account during the monthly statement cycle in order to avoid the monthly service charge of $I0.00.
• No limit on deposits or withdrawals made in person.
• No more than six pre-authorized or automatic transfers or withdrawals (of which no more than three can be checks to a third party) per statement cycle. A $5.00 charge for each excessive item after six.

BUSINESS ACCOUNTS
The following is a list of our different types of business accounts and information and benefits regarding each account.

Commercial Checking Account

• Monthly service charge is $6.00 per month maintenance fee, plus $.15 per check paid. A monthly earnings credit will be applied to offset the monthly service charge. The earnings credit will be the Super NOW interest rate times the minimum balance for that statement cycle (The earnings credit will in no case exceed the service charge). Super NOW interest rates are subject to change-
• Images of checks and deposit tickets are returned in monthly statement.
• Cost of checks will vary depending upon style and quantity.

Commercial NOW Account
Federal regulations prohibit NOW accounts for corporations, partnerships and business accounts other than sole proprietorships.

• Monthly service charge is $6.00 per month maintenance fee, plus $.15 per check paid and $.01 per item deposited.
• Interest is earned at the current stated Super NOW interest rate on the minimum daily balance in the account of $2,500.00 or more. If the daily ending balance drops below $2,500.00 on any day during the statement cycle, the account will have no interest credited for that statement cycle. Super NOW interest rates are subject to change.
• Images of checks and deposit tickets are returned in monthly statement.
• Cost of checks will vary depending upon style and quantity.