MORE DETAILED INFORMATION IS AVAILABLE UPON REQUEST

Step-Ahead Checking Account

• $100.00 minimum opening balance
• $10.00 monthly fee
• Unlimited deposit or checks at no charge during statement cycle
• Discount on printed checks
• Discount on cashier's checks

Regular Checking Account

• $100.00 minimum opening balance
• $6.00 monthly fee assessed if balance falls below $600.00 any day of cycle
• Excessive check fee of $.25 for each check in excess of 20 during statement cycle

Budget Checking Account

• $50.00 minimum opening balance
• $2.50 monthly fee
• Excessive check fee of $.25 for each check in excess of 10 during statement cycle

Preferred Citizen Account

• $100.00 minimum opening balance
• $8.00 monthly fee (customers under 55)
• $4.00 monthly fee (customer over 55)
• Unlimited transactions

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Money Market Limited Account

Your interest rate and annual percentage yield may change and may change at any time. Interest will be compounded every month and credited to your account every month.

• $100.00 minimum opening balance

• $15.00 monthly fee if balance falls below $2,000.00 any day in statement cycle.

• Transfers from a Money Market Limited 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.

• $15.00 excessive withdrawal fee for each transaction in excess of the above limitations.

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Regular Savings Account

Interest rate and annual percentage yield may change and may change at any time. Interest is compounded every quarter and credited to your account every quarter.

• $50.00 minimum opening balance

• $2.00 service charge if balance falls below $50.00 any day of the cycle.  (Interest does not accrue on days the balance goes under $50.00)

• We use the daily balance method to calculate interest on account.

• $2.00 excessive withdrawal fee in excess of two during a calendar month.

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Prime Timer's Account

Your interest rate and annual percentage yield may change and may change at any time. Interest compounded every quarter and credited to your account every quarter.

• $100.00 minimum opening deposit.
• We use the daily balance method to calculate the interest on your account.
• First order of standard checks at no charge.
• Must be 55 years of age or older.
• One direct deposit required each month.
• No monthly maintenance fee.
• Unlimited transactions no charge.

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NOW Checking Account

Interest rate and annual percentage yield may change and may change at any time. Interest is compounded every month and credited to your account every month.

• $100.00 minimum opening deposit.
• $10.00 service charge if account balance falls below $1,000.00 any day of the cycle.
• We use the daily balance method to calculate the interest on your account.
• $.25 excessive check fee for each check in excess of 20 during a statement cycle.

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