PERSONAL CHECKING

Hometown Checking • No monthly fee • No minimum balance • No per check fee • Unlimited check writing • Free On-line Banking and Bill Pay • Free ATM or Debit Card (subject to credit verification) • $100 minimum opening deposit required • Return of check images • No ATM fees

Regular Checking
• Competitive interest
• No per check fee
• Unlimited check writing
• $100 minimum opening deposit required
• Only $10.00 minimum balance fee charged if minimum daily balance falls below $1,000
• Free On-line Banking and Bill Pay
• Free ATM or Debit Card (subject to credit verification)
• Return of check images
• No ATM fees

Platinum 50 Checking
• Competitive interest rate
• No monthly fee
• No minimum balance
• No per check fee
• Unlimited check writing
• Free On-line Banking and Bill Pay
• Free ATM or Debit Card (subject to credit verification)
• Free Cashier's Checks
• Free Wire Transfers
• Free 3 x 5 Safe Deposit Box (while supplies last)
• No ATM Fees
• Free checks
• 10 Basis Point increase on CD's
• Minumum age of 50 is required to open and maintain accounts

Premier Checking
• Tier interest rates
• Competitive interest if balance falls below $2,500
• No per check fee
• Unlimited check writing
• $100 minimum opening deposit required
• Only $15.00 minimum balance fee charged if minimum daily balance falls below $2,500
• Free On-line Banking and Bill Pay
• Free ATM or Debit Card (subject to credit verification)
• Return of check images
• First order of checks are free
• No ATM fees

Premium Money Market Account
• $2,500.00 required to open account
• Tiered interest rates as your balance increases
• Checking Account required
• Only $15.00 Minimum Balance Fee if balance falls below $2,500.00 any day.
• Transfers to another account or third parties are limited to six (6) per statement cycle.
• $8.00 fee for each withdrawal over six (6)

 

COMMERCIAL CHECKING

Commercial Analysis Checking • Earning credit rate based on average 30-day T-Bill rate for the previous month. • Earning credit based on monthly collected balance less ten (10) percent. • Non-Sufficient Funds (NSF) are charged $35.00 per item fee. • Charge Back Items are charged a $5.00 per item fee. • All or part of the charges listed below may be offset each month based on the earning credit. • Fees/Charges

Monthly maintenance charge .................................. $10.00 Per deposit ........................................................... $ .20 Per deposit item ..................................................... $ .05 Per debit item ........................................................ $ .10 Incoming/Outgoing Wire (domestic) ......................... $25.00 Incoming/Outgoig Wire (foreign) ............................. $50.00 Stop Payment Fee ............................................... $30.00 Cash handling (per $1,000) ..................................... $ 1.00 Bulk Coin (per box) ............................................... $ 2.50

Budget Business Checking
• $100 minimum opening deposit
• Only $10.00 minimum balance fee if minimum daily balance falls below $500
• First one hundred (100) debit items per month are free
• $.10 fee for each debit item in excess of one hundred (100)

Business Money Market
• $5,000 minimum opening deposit
• Tier interest rates as your balance increases
• Only $15.00 minimum balance fee if minimum daily balance falls below $5,000
• Transfers to another account or third parties are limited to six (6) per statement cycle.
• $8.00 fee for each withdrawal over six (6)