Personal Services

CHECKING ACCOUNTS

Features	Checking Plus	Value Checking	Premium Checking
	(Learn More)	(Learn More)	(Learn More)
Best if you want	A basic checking account.	Unlimited check writing, a Personal Reserve Account (PRA) with duplicate checks included.	An account that offers interest, a safe deposit box and duplicate checks.
Balance to Open	$0	$0	$0
Interest Paid	No	No	Interest paid on balances > $2,500; compounded monthly
Online & Mobile Banking	Included	Included	Included
MasterCard Debit Card	Included	Included	Included
ATM MoneyPass® Access	Included	Included	Included
Bill Pay & E-Statements	Included	Included	Included
Online Check Images	Included	Included	Included
Monthly Service Charge	$5.00/month	$7.95/month	$10.00/month
FDIC Insurance Coverage	Up to $250,000 per depositor	Up to $250,000 per depositor	Up to $250,000 per depositor
Safe Deposit Box (3x5)	Annual rental available	Annual rental available	Included
Overdraft Protection	Available with annual fee	Included - subject to credit approval	Not available

For current rate information click here or call 1-800-795-2151.

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Checking Plus: The monthly service charge of $5.00 can be waived with 3 or more qualifying services (2 services for students or seniors age 60 or better) selected from the list below. Write up to 15 checks per month with no per item fees. Checks paid in excess of 15 monthly will incur a $0.25 per item service charge.
Value Checking: Monthly service fee of $7.95. Includes up to 2 boxes of duplicate checks per year at no additional charge.
Premium Checking: Monthly service fee of $10.00 can be waived with 5 or more qualifying services from the list below or combined deposit account balances of $10,000. Includes up to 2 boxes of duplicate checks per year at no additional charge.

QUALIFYING SERVICES

Direct Deposit
Online Statements
Email Alerts
Savings
Certificate of Deposit
IRA
Money Market Account
Mortgage Loan
Auto Loan
Credit Card
Personal Reserve Account
Alternative Investments

PREMIUM CHECKING

Balance and Rate Information: If your daily balance is $50,000 or greater, the interest rate paid on the entire balance in your account will be 0.120% with an annual percentage yield of 0.120%. If your daily balance is more than $24,999.99 but less than $50,000, the interest rate paid on the entire balance in your account will be 0.110% with an annual percentage yield of 0.110%. If your daily balance is more than $2,499.99 but less that $25,000, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield of 0.100%. If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be 0.00% with an annual percentage yield of 0.00%. Your interest rate and the annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).