Absolutely Free Checking Free Internet Banking Free Bill Pay Direct Deposit Free ATM Card Overdraft Privilege BankLine 24 Help with changing your drafts and ACHs

Personal Banking: Checking

NO FEE CHECKING

• $100.00 minimum opening deposit
• No minimum balance required after opening; Non-interest bearing
• No limit on checks or debits; no per item fees.
• No monthly service fees
• Monthly statement mailed (does not include check images)
• Free ATM Card
• Free Debit Card available to qualified applicants.
• Free 24 Hour Bankline
• Free Online Banking with free Bill Pay
• "Real Time" Banking - no 2:00 cutoff

NOW CHECKING

• Interest bearing account
• $100.00 minimum opening deposit
• $500.00 balance required to earn interest;$400.00 minimum balance required
• $5.00 monthly service charge if balance falls below $400.00
• No limit on checks or debits; no per item fees.
• Monthly statement can include check images
• Free ATM Card
• Free Debit Card to qualified applicants
• Free 24 Hour Bankline
• Free Online Banking with free Bill Pay
• "Real Time"' Banking - no 2:00 cutoff
• Fees may reduce earnings

MONEY MARKET CHECKING

• Interest bearing account
• $1,000.00 minimum opening deposit
• $1,000.00 required to earn interest ;$1,000.00 minimum balance required
• $5.00 monthly service charge if balance falls below $1,000.00
• 75 free withdrawals per month
• .35 per withdrawal in excess of 75
• Monthly statement including check images
• Free ATM card
• Free Debit Card to qualified applicants
• Free 24 Hour Bankline
• Free Online Banking with free Bill Pay
• "Real Time" Banking - no 2:00 cutoff
• Fees may reduce earnings

PLATINUM CHECKING

• Interest bearing account - interest paid at 91 day money market rate.
• $5,000.00 minimum opening deposit
• $5,000.00 balance required to eam interest; $5,000.00 minimum balance required
• $10.00 monthly service charge if balance falls below $5,000.00
• 75 free withdrawals per month
• .35 per withdrawal in excess of 75
• Monthly statement including check images
• Free ATM card
• Free Debit Card to qualified applicants
• Free 24 Hour Bankline
• Free Online Banking with free Bill Pay
• "Real Time" Banking - no 2:00 cutoff
• Fees may reduce earnings

INVESTMENT CHECKING

• Interest bearing account
• $1,000.00 minimum opening deposit
• $1,000.00 minimum balance required
• $5.00 monthly service charge if balance falls below $1,000.00
• 6* free withdrawals per month: * 6 transfers are allowed, but only 3 of the 6 withdrawals may be by check to third parties
• $10.00 per withdrawal in excess of 6 or in excess of 3 checks
• Monthly statement including check images
• Free ATM card
• Free Debit Card to qualified applicants
• Free 24 Hour Bankline
• Free Online Banking with free Bill Pay available
• "Real Time" Banking -- no 2:00 cutoff
• Fees may reduce earnings

HIGH YIELD CHECKING

• Interest bearing account - Rate depends on balance tier
  • $2,500 - 14,999
  • $15,000 - 49,999
  • $50,000 and up
• $15,000.00 minimum opening deposit
• $2,500.00 minimum balance required
• $5.00 monthly service charge if balance falls below $2,500.00
• 6* free withdrawals per month: * 6 transfers are allowed, but only 3 of the 6 withdrawals may be by check to third parties
• $10.00 per withdrawal in excess of 6 or in excess of 3 checks
• Monthly statement including check images
• Free ATM card
• Free Debit Card to qualified applicants
• Free 24 Hour Bankline
• Free Online Banking with free Bill Pay available
• "Real Time" Banking - no 2:00 cutoff
• Fees may reduce earnings

CLASSIC GOLD

• For Seniors, age 55 and older
• Must also have savings or CD account along with any type checking account
• Free custom checks
• Free Cashiers Checks
• Free Travelers Checks
• Half price discount on any size safety deposit box