REGULAR CHECKING ACCOUNT

• No minimum amount required to open
  
• No service charge if balance remains above $300.00
• A non-interest bearing account
• Low monthly fee of just $4.00/month plus $.15/check in excess of ten checks per month if balance falls below $300
• Check images included in your statement are available upon request for a small monthly fee of just $5.00
  
• One year free checking to all recent graduating high school students
• Free checking to anyone 65 years of age and over

NOW CHECKING ACCOUNT

• Minimum of $1000 to open account
• No service charge if balance remains above $1,000
• Interest will be compounded and credited to your account at each monthly statement cycle
• Low monthly fee of just $4.00/month plus $0.25/debit in excess of 20/month if balance falls below $1000
• Account will earn interest if balance stays above $500

MONEY MARKET PLUS ACCOUNT

• Minimum balance to open account $2500
• Higher interest rate earned than NOW Account
• Transaction Limitations:  No more than three checks/month plus three automatic or phone transfers

BUSINESS CHECKING

• An earned credit of $ .30 per $100 of the average monthly balance will be calculated
• Charges will be $2.00 per monthly cycle plus $ .10 per check
• If earned credit is greater than charges, no service charge will be made
• This credit will offset service charges for most accounts