Regular	Money Market	Plus	Business
Amount to Open	$100	$1,000	$500	$500
Balance to Maintain to Avoid Service Charge	n/a	n/a	$500	n/a
Interest	n/a	Interest paid on balance with tiered rates for larger balance	See current rate schedule	See current rate schedule
Monthly Service Charge		$7.00 if below minimum	$5.00 if below minimum	n/a
Statement	monthly	monthly	monthly	monthly
Phone Banking	free	free	free	free
Internet Banking	Available, application required	Available, application required	Available, application required	Available, application required
Debit / ATM Cards	Available, application required	Available, application required	Available, application required	Available, application required
Limitations	n/a	Limited to 6 transactions per month	n/a	$0.20 per item charge for deposits, checks and ACH

Regular Checking

Unlimited check writing
No minimum balance
$100.00 to open account

Money Market Account

$1,000.00 minimum to open
Interest paid on balance with tiered rates for larger balance
Limited to 6 transactions per month
$7.00 fee if balance falls below minimum

Interest-Bearing Checking

Plus Checking

Unlimited check writing
$500.00 minimum balance; $5.00/cycle fee if under minimum
$500.00 to open account; $500.00 minimum daily balance to earn interest
Interest paid in two tiers on average balances – $500-$25,000 and up

Business Checking

Minimum Deposit to open account $500
Competitive interest rate on any balance which can offset certain fees
$0.20 per item charge for deposits, checks and ACH

Health Savings Account

Unlimited check writing
$50.00 minimum to open
Competitive interest rate
$25.00 account setup fee with a $25.00 yearly service charge

Deposit Account Disclosures

• If you close your account before interest is credited, you will not receive the accrued interest.
• Your interest rate and APY may change at our discretion at any time.
• Interest begins to accrue on the first business day after the banking day you deposit non-cash items.
• Interest is compounded monthly and credited the last day of each statement cycle.