Personal Checking

Account Fees: A base charge of $5.00, plus $0.15 a check or debit item paid (over 20) will be imposed every statement cycle if on any day of the cycle the balance drops below $500.00.

Personal Now Account (Interest Checking)

Account Fees: A base charge of $5.00, plus $0.25 a check or debit item paid will be imposed every statement cycle if on any day of the cycle the balance drops below $1000.00.

Interest Rate Information: This account is an interest bearing account. The interest rate and yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit cash or noncash items (ex. Checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: 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. We will use an interest accrual basis of 365 (or 366 in a leap year) for each day in the year. You must maintain a minimum balance of $1000.00 each day to obtain the disclosed annual percentage yield.