Checking Accounts

Consumer Checking

• $100.00 minimum balance to open

• $500.00 minimum balance to avoid imposition of service charges

Fees: A minimum balance fee of $10.00 will be imposed every statement cycle if the lowest balance in the account falls below $300.00 any day of the statement cycle.

If your balance is at least $300.00 on every day but less than $500.00 on any day in the statement cycle, your account will be subject to a $7.50 service charge for that statement cycle. If your balance is $500.00 or more on every day in the statement cycle, we will not charge the service charge for that statement cycle.

Senior Citizen Checking

• $100.00 minimum balance to open

• $100.00 minimum balance to avoid imposition of service charges

Fees: A minimum balance fee of $2.00 will be imposed every statement cycle if the lowest balance in the account falls below $100.00 any day of the statement cycle. An item fee of $0.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 20 during a statement cycle. Age requirement for a Senior Citizen account is 65.

Business Checking

• $100.00 minimum balance to open

• $1,000.00 minimum balance to avoid imposition of service charges

Fees: A minimum balance fee of $10.00 will be imposed every statement cycle if the lowest balance in the account falls below $1,000.00 any day of the statement cycle. An item fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of the account) in excess of 80 during a statement cycle.

NOW Account

• $1,000.00 minimum balance to open

• $1,000.00 minimum balance to avoid imposition of service charges

• Interest will be compounded daily and will be credited to your account monthly

• Interest rate and annual percentage yield may change at any time.

• We use the daily balance method to calculate the interest on the NOW account.

Fees: A minimum balance fee of $10.00 will be imposed every statement cycle if the lowest balance in the account falls below $1,000.00 any day of the statement cycle. An item fee of $0.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 25 during a statement cycle.

Super NOW Account

• $2,500.00 minimum balance to open

• $2,500.00 minimum balance to avoid imposition of service charges

• Interest will be compounded daily and will be credited to your account monthly

• Interest rate and annual percentage yield may change at any time.

• We use the daily balance method to calculate the interest on the SUPER NOW account.

Fees: A minimum balance fee of $10.00 will be imposed every statement cycle if the lowest balance in the account falls below $2,500.00 any day of the statement cycle. An item fee of $0.30 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 25 during a statement cycle.

Money Market Accounts

• $2,500.00 minimum balance to open

• $2,500.00 minimum balance to avoid imposition of service charges

• Interest will be compounded daily will be credited to your account monthly

• Interest rate and annual percentage yield may change at any time

• We use the daily balance method to calculate the interest on the MONEY MARKET account.

• Transfers from a Money Market Fund account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per month with no more than three by check, draft, or similar order to third parties.

Fees: A minimum balance fee of $10.00 will be imposed every statement cycle if the lowest balance in the account falls below $2,500.00 any day of the statement cycle. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to third parties. An item fee of $5.00 will be charged for each withdrawal in excess of six during the month.