Traditional Checking

`Account Fees:

• This account requires a $500.00 minimum balance.
• If the balance falls below $500.00, the following fees will apply:
  
  
  • $2.00 monthly maintenance fee
  • $0.14 for each debit or credit item
  • Images will be provided with the statement

Advantage Checking

Account Fees:

• This account does not require a minimum balance
• This account has no monthly service charges
• Images will not be provided with the statement

Golden 65 Checking

Account Fees:

• This account does not require a minimum balance
• This account has no monthly service charges
• Basic checks are provided
• Images will be provided with the statement

55 Plus Partnership

Account Fees:

• This account requires a $500.00 minimum balance
• If the balance falls below $500.00, a monthly maintenance fee of $5.00 will be charged
• Basic checks provided
• Images will be provided with the statement
• Free money orders, cashiers checks and travelers checks
• 50% off the rental of 3x5 safe deposit box

NOW Account

Account Fees:

• This account requires a $1,000.00 minimum balance
• If the account falls below $1,000.00 the following fees will apply:
  
  
  • Balance $999.99-$500.00, monthly maintenance fee $7.00
  • Balance $499.99-and below, monthly maintenance fee $9.00

Rate Information:

• This account is an interest bearing account.
• Current interest rates and annual percentage yield may be obtained by calling the bank.
• At our discretion, we may change the interest rate on the account daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Interest will be compounded monthly and will be credited to the account monthly.
• If the account is closed before interest is credited you will not receive the accrued interest.