Welcome to our Checking and Savings Department

Checking and Savings

BUSINESS CHECKING ACCOUNT
This account is not a consumer account to which Truth in Savings applies.
Minimum balance to open account	You must deposit $100.00 to open account
Fees:	A maintenance fee of $3.00 will be charged each monthly statement cycle. A per item fee of $.10 will be charged for each debit transaction (withdrawal, check paid, or payment out of this account.) A foreign item fee of $.08 will be charged for each check deposited not on our bank. You will earn a credit of $.10 for $100.00 of average daily balance in your account during the statement cycle. This earnings credit will be applied to reduce the maintenance, per item, and foreign item fees. The earnings credit cannot exceed your total maintenance, per item, and foreign item fees.

REGULAR CHECKING ACCOUNT
Minimum balance to open account	You must deposit $100.00 to open account
Minimum balance to avoid imposition fees.	If your balance falls below $200.00 on any day in the monthly statement cycle we will impose a maintenance fee of $7.00 each monthly statement cycle. 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 $6.00 each monthly statement cycle. 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 $5.00 each monthly statement cycle. If your balance is at least $400.00 on every day in the monthly statement cycle but falls below $500.00 on any day during the monthly statement cycle we will impose a maintenance fee of $4.00 each monthly statement cycle. If your balance is at least $500.00 on every day in the monthly statement cycle but falls below $600.00 on any day during the monthly statement cycle will impose a maintenance fee of $3.00 each monthly statement cycle. If your balance is at least $600.00 or more on every day in the monthly statement cycle no maintenance fee will be imposed.
Fees:	A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, or payment out of this account) in excess of 30 monthly statement cycle. This fee will apply to accounts with balances of $599.99 or below. This fee will not apply if an account balance of $600.00 or greater is maintained.

THRIFTY CHECKING ACCOUNT
Minimum balance to open account	You must deposit $100.00 to open account
Fees:	A maintenance fee of $3.00 will be charged each monthly statement cycle. A per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, or payment out of this account) during a statement cycle.

HORIZON CHECKING ACCOUNT
(Individuals age 62 years or older)
Minimum balance to open account	You must deposit $100.00 to open account
Features:	No Maintenance Fee on Checking Personalized Membership Cards Fee Waived on Traveler’s Checks Fee Waived on Cashier’s Checks $5.00 Discount on First Year Rental of Safety Deposit Boxes Fee Notary Service Free Photocopies Direct Deposit of Retirement/Social Security Payments Informative Seminars Travel Opportunities Merchant Discounts

NOW CHECKING ACCOUNT
(Not available to Partnerships or Corporations)
Minimum balance to open account	You must deposit $1,500.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed	You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Rate Information	Your interest rate and annual percentage yield may change.
Determination of rate	At our discretion, we may change the interest rate on your account.
Frequency of rate changes	We may change the interest rate on your account weekly
Compounding and crediting frequency	Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account	If you close your account before interest is credited, your will not receive the accrued interest.
Minimum balance to avoid imposition of fees –	A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
Daily balance computation method	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits	Interest begins to accrue on the business day you deposit non-cash items (checks).
Fees:	A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, or payment out of this account) in excess of 30 during a monthly statement cycle.

MONEY MARKET DEPOSIT ACCOUNT
Minimum balance to open account	You must deposit $2,500.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed	You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Rate Information	Your interest rate and annual percentage yield may change.
Determination of rate	At our discretion, we may change the interest rate on your account.
Frequency of rate changes	We may change the interest rate on your account weekly.
Compounding and crediting frequency	Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account	If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to avoid imposition of fees	A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Daily balance computation method	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits	Interest begins to accrue on the business day your deposit non-cash item (checks).
Transaction limitations	Transfers from a Money Market Deposit account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.
Fees:	A per item fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, or payment out of this account) in excess of six during a monthly statement cycle.

FEES
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
Check printing	fee depends on style & quantity of check ordered
Counter checks	$.20 per check (first 10 free)
Cashiers checks Customer	$2.00
Money orders Customer	$1.00
Money orders Non-customer	$2.00
Traveler’s checks Single Signature Checks for Two	1% of amount purchased 1.5% of amount purchased
Dormant account fee (Each Quarter)	$2.00
An account is dormant if for one year no deposits or withdrawals are made by you, no communication is received about the account from you, or your account statements are returned for an incorrect address.
Garnishments	$10.00
Executions	$15.00
Levies	$15.00
Overdraft (each debit or check paid)	$20.00
Non-sufficient funds (NSF) item (each)	$20.00
Account research	$15.00 per hour plus $1.00 per copy
Account balancing assistance	$15.00 per hour
Telephone transfer from checking to checking	$1.00
Telephone transfer from savings to checking	$1.00
Telephone transfer from savings to savings	$1.00
Telephone transfer from checking to savings	$1.00
Stop payments (all items)	$15.00
Account closed within 90 days of opening	$20.00
Wire transfers (incoming and outgoing) Customer	$15.00
International wire transfers Incoming and outgoing	$30.00
Special request statement	$2.00
Collection item incoming and outgoing (customer)	$10.00
Collection item incoming and outgoing (non-customer)	$15.00
Notary fee (non-customer)	$1.00
Copy service	$.25 per copy
Fax service	$2.00 first page, $1.00 each additional page
Large item returns	$7.50
Return item	$2.00
Safety deposit box annual rental 3x5x22 5x5x22 3x10x22 5x10x22 10x10x22 10x20x22 Key deposit (refundable) *$200.00 fee to drill and open box if both customer keys are lost.	$15.00 $20.00 $25.00 $35.00 $50.00 $100.00 $10.00

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation d. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.