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CONSUMER AND SOLE PROPRIETOR CHECKING

ACCOUNT LINKS: STUDENT  |  VALUE & CHECKING  |  FIRST RATE  |  GROWING GOLD  |  HEALTH SAVINGS

BUDGET CHECKING ACCOUNT

Monthly Maintenance Fees
Interest
Minimun Balance
to Open
Other
No monthly service fee if maintain $50 balance and write 25 or less checks.

$5 service fee if balance falls below $50.

$0.25 per check charge over 25 checks.
Non-interest bearing
$50.00
Free ATM/Debit card for qualified customers.

STUDENT ACCOUNT

For full time students. Verification of student status may be requested.

Monthly
Maintenance Fees
Interest
Minimun Balance
to Open
Other
No monthly service fees. Non-interest bearing
$50.00
Free ATM/Debit card for qualified customers.

1st order of standard checks free.

Unlimited check writing.

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VALUE + CHECKING ACCOUNT

Monthly
Maintenance Fees
Interest
Minimun Balance
to Open
Other
No monthly service fees if maintain $500 balance. $5 service fee if balance falls
below $500
Non-interest bearing
$50.00
Free ATM/Debit card for qualified customers.

Unlimited check writing.

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FIRST RATE NOW ACCOUNT

Monthly
Maintenance Fees
Interest
Minimun Balance
to Open
Other
$5 monthly service fee waived if $25,000 balance maintained. Interest paid on balances of $500 and over
$50.00
Free ATM/Debit card for qualified customers.

Unlimited check writing.

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GROWING GOLD ACCOUNT

For our customers who are 50 years of age or older

Monthly
Maintenance Fees
Interest
Minimun Balance
to Open
Other
No monthly service fees Interest paid on balances of
$500 or over.
$50.00
Free ATM/Debit card for qualified customers.

Unlimited check writing.

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HEALTH SAVINGS ACCOUNT

Please consult your insurance provider and tax advisor to determine if
you qualify for a Health Savings Account

Monthly
Maintenance Fees
Interest
Minimun Balance
to Open
Other
No monthly service fees No minimum balance to earn interest
None
$25 one-time set up fee.

Free ATM/Debit card for qualified customers.

Unlimited check writing.
Checks provided at no charge.



MISCELLANEOUS FEES AND CHARGES

NOT RELATED TO THE STATEMENT PERIOD
Stop payment fee - $ 10.00
Overdraft check, per item - $20.00 
Nonsufficient funds check, per item - $20.00                                                                                                              Instant Activity Statement - $ 1.00
Traveler's Checks - $ 1.00 per $100.00 of checks
Traveler's Checks for Two - $ 1.50 per $100.00 of checks
Fax service - $ 1.00 per page
ATM Card replacement - $ 5.00
Counter checks (issue cost) - $ .25 per check
Microfilm copy of a check - $ 3.00 per check
Cashier's Check or Money Order - $2.00 per check
Wire transfers in or out - $ 10.00
Statement reconciliation - $ 15.00 per hour
Record searches
- Less than 10 minutes No charge
- Over 10 minutes $ 15.00 per hour
Foreign ATM Withdrawal - $1.00 per withdrawal
Check Printing - Fee depends on style of check ordered

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