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 • Waive ATM fees up to $6.00 per month   (with receipt)

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 (waived with direct deposit or age 55 and older)
• Free On-line Banking and Bill Pay
• Free ATM or Debit Card (subject to credit verification)
• Return of check images
• Waive ATM fees up to $8.00 per month (with receipt)

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
• Waive ATM fees up to $10.00 per month (with receipt)

Premium Money Market Account
• $2,500.00 required to open account
• $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 with no more than three (3) by check
• $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 $30.00   per item fee. • Charge Back Items are charged a $3.00 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) .......................... $20.00
Incoming/Outgoig Wire (foreign) .............................. $50.00
Stop Payment Fee ................................................ $25.00
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 with no more than three (3) by check
• $8.00 fee for each withdrawal over six (6)