CHECKING

Regular Checking Account – A non-interest bearing checking account for personal use, with no service charges and no transaction limits.

Minimum balance to open an account
You must deposit $100.00 to open this account, unless the account holder is under 18 years of age.

Minimum balance to avoid imposition of fees
There are no minimum balance requirements.

Rate information
This is a non-interest bearing account.

Account Fees
There are no monthly maintenance charges or per debit charges on this account.

Super NOW Checking Account -- Our interest-bearing personal checking account. (note: Businesses not eligible for this account) No service charges, and no limits on transactions.

Rate information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At the bank’s discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded monthly. Interest will be credited to your account monthly.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $1,500.00 to open this account.

Account Fees
There are no monthly maintenance charges or per debit charges on this account, and no monthly minimum balance requirement

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,500.00 in the account each and every day of the cycle period to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

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MMDA Account – An interest-bearing account open to both business and personal customers. This account is limited in the number of checks written per month. This account has a higher interest rate than a Super NOW account.

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded monthly. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $1,500.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction Limitations
Transfers from a MMDA 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.

Fees
An excessive withdrawal charge of $5.00 will be charged for each withdrawal in excess of three by check, draft, or similar order to third parties during the statement cycle. Note: We reserve the right to change this account from a MMDA to an alternative account type in the event of repeated excessive withdrawals.

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