SERVICE AND FEES

Checking Accounts Non-Interest Bearing

• We recommend that the customer order their checks through us. The prices of checks vary and are subject to change.

Regular Personal Checking

• No charge if minimum balance is $500.00 or greater
• $5.00 minimum balance fee if minimum balance is $499.99 or less
• Account does not pay interest

You must deposit $100.00 to open this account

Student Checking

• $.00 service charge per month
• Unlimited activity
• Account does not pay interest

You must deposit $10.00 to open this account.

Direct Deposit Checking

• $.00 service charge per month
• Unlimited activity
• Account does not pay interest

You must deposit $100.00 to open this account.

Business Checking Account

• No charge if minimum balance is $500.00 or greater
• $5.00 minimum balance fee if minimum balance is $499.99 or less
• Account does not pay interest

You must deposit $100.00 to open this account.

Checking Accounts Interest Bearing

• Competitive rate on balance of $1000.00 or more
• Variable rate account
• Interest will be compounded monthly and credited to your account monthly
• Interest will be compounded monthly and credited to your account monthly
• You must maintain a minimum balance of $1,000.00 each day to obtain the disclosed annual percentage yield
• $6.00 minimum balance fee if minimum balance is $999.99 or less
• If you close your account before interest is credited, you will not receive the accrued interest

You must deposit $1,000.00 to open this account

Super NOW Account

• Competitive rate on balance of $2500.00 or more
• Variable rate account
• Interest is compounded monthly and will be credited to your account monthly
• 6.00 minimum balance fee if balance falls below $2,500.00
• You must maintain a minimum balance of $2,500.00 each day to obtain the disclosed annual percentage yield
• If you close your account before interest is credited, you will not receive the accrued interest.

You must deposit $2,500.00 to open this account

Tiered Money Market Account

• Variable Rate Account
• Interest will be compounded monthly and will be credited to your account monthly
• $6.00 minimum balance fee if balance falls below $2,500.00
• You must maintain a minimum balance of $2,500 each day to obtain the disclosed interest yield
• No interest paid on days balance falls below $2,500.00
• If you close your account before interest is credited, you will not receive the accrued interest

You must deposit $2,500.00 to open this account

DIAMOND ACCOUNTS

• You must deposit $100.00 to open this account.
• $7.00 service charge if minimum balance is less than $100 in statement cycle.
• First Order of Personalized Checks at no charge (singles)
• Unlimited Checking
• Competitive rate (subject to weekly change) on balance of $1,000 or more
• Interest calculated daily and credited to the account at the end of the statement cycle
• If you close your account before interest is credited, you will not receive the accrued interest.
• Identity Theft Expense Reimbursement Coverage¹
• Identity Theft Resolution Services
• Debit and Credit Card Registration (Registration/activation required)
• Cash Bank Member Rewards (Registration/activation required. Additional terms and conditions may apply.)
• Travel and Leisure Discounts (Available online only)

DIAMOND PLUS ACCOUNTS

• You must deposit $100.00 to open this account.
• No minimum balance required
• Personalized Checks at no charge (singles)
• Unlimited Checking
• No Fees on Cashier’s Checks or Money Orders
• Competitive rate (subject to weekly change) on balance
• Interest is calculated daily and credited to the account at the end of the statement cycle
• If you close your account before interest is credited, you will not receive the accrued interest.
• Identity Theft Expense Reimbursement Coverage¹
• Identity Theft Resolution Services
• Debit and Credit Card Registration (Registration/activation required)
• Credit File Monitoring² (Registration/activation required)
• Credit Report and Score³ (Registration/activation required)
• Identity Monitoring (Registration/activation required)
• Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required)
• Cash Back Member Rewards (Registration/activation required. Additional terms and conditions may apply.)
• Cellular Telephone Protection⁴
• Debit Advantage^® - Buyers Protection⁴ & Extended Warranty⁴ (Item(s) must be purchased entirely with eligible account.)
• Health Discount Savings This is NOT insurance. (Registration/activation required)
• Travel and Leisure Discounts (Available online only)
• $hopping Rewards^TM (Registration/activation required. Available online only.)
• $6.00 monthly service charge; $4.00 if over age 50

ATM or DEBIT cards available upon application approval

Additional Service Charges

Other Services

Safe Deposit Boxes

¹Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

²Credit file monitoring may take several days to begin following activation.

³Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

⁴Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the guide to Benefit or on the certificate of insurance.

Insurance Products are not insured by FDIC or any Federal Government Agency/ Not a deposit of or guaranteed by the bank or any bank affiliate.