Personal Checking Account

Minimum balance to open
The minimum balance required to open this account is $50.00.

Deposit limitations
You may make unlimited deposits into your account.

NOW Checking Account

Minimum balance to open
The minimum balance required to open this account is $2500.00

Deposit limitations
You may make unlimited deposits into your account

Fees and Charges
The following fees and charges apply to this account:

• Service Fee: We impose a fee of $5.00 every statement cycle if the balance in the account falls below $2500.00 any day of the cycle.
• Debit Fee: We impose a fee of $0.25 for each debit when the account falls below the minimum daily balance of $2500.00.

Compounding Frequency
Interest will be compounded monthly.

Credit frequency
Interest will be credited into this account monthly.

Daily balance computation method
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on non-cash deposits
Interest will begin to accrue on the first business day after the banking day you deposit non-cash items (for example, checks) into your account.

Money Market Deposit Account

Minimum balance to open
The minimum balance required to open this account is $1000.00

Deposit limitations
You may make unlimited deposits into your account.

Fees and Charges
The following fees and charges apply to this account:

• Service Fee: We impose a fee of $10.00 every statement cycle if the balance in the account falls below $1000.00 any day of the cycle.

Compounding frequency
Interest will be compounded monthly.

Credit frequency
Interest will be credited into this account monthly.

Daily balance computation method
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on non-cash deposits
Interest will begin to accrue on the first business day after the banking day you deposit noncash items (for example, checks) into your account.

Withdrawal limitations
Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, 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.