Personal Banking Products

Checking Accounts

NOW ACCOUNT

$1,000 Minimum	No Charge
$1,500 Average per month	No Charge
Below $1,000 Minimum or $1,500 Average Monthly	$5.00
Debits in excess of 40	.20
Interest paid monthly on the daily collected balance. Interest rate subject to change daily.

REGULAR CHECKING ACCOUNT

Monthly Maintenance Fee	$2.00
Debits	.20
Deposits	No Charge
.10 paid each $100 average collected monthly balance as a credit against service charge.

MINIMUM MONTHLY BALANCE ACCOUNT

Minimum balance during the month.
$400-Over	No Charge
$300-399	$2.00
$200-299	$3.00
$100-199	$4.00
$0-99	$5.00
Debits in excess of 40	.20

GOLDEN AGE ACCOUNT

Available to customers age 60 and better

Checking	No Charge
$2.50 per month inactive fee if account balance is less than $250.00 and account has not had activity for 365 days.

FREE CHECKING

Monthly Maintenance Fee

No Charge

Debits

No Charge

Deposits

No Charge

$2.50 per month inactive fee if account balance is less than $250.00 and account has not had activity for 365 days.

MONEY MARKET INVESTMENT ACCOUNT

$1,000 Minimum	No Charge
Below $1,000	$5.00
Below $1,000	No Interest Paid
Limited Transactions Allowed
Interest paid monthly on the daily collected balance. Interest rate subject to change daily.

Dormant Checking Accounts will be subject to a $5.00 per month Service Charge.
Bank will make every effort to locate Depositor prior to initiating the charge.
Credit reserve available for qualified customers.

Savings Accounts

REGULAR SAVINGS ACCOUNT

Interest compounded daily on ledger balance. Paid quarterly.
Three withdrawals per month at no charge. (.50 for each withdrawal thereafter.)
If balance falls below $200 there is a $2.50 monthly fee.
Quarterly statements.
$10.00 minimum balance required to keep account open.

Interest rate subject to change daily.

YOUNG SAVERS ACCOUNT

17 years & younger

Interest compounded daily on ledger balance. Paid quarterly.
Three withdrawals per month at no charge. (.50 for each withdrawal thereafter.)
Quarterly statements.
If balance falls below $25 there is a $1.00 fee.
$10.00 minimum balance required to keep account open.