• Minimum deposit to open - $100
• Monthly Maintenance Fee: None, if daily minimum balance is ≥$100. Otherwise, $4
• Activity limited to two (2) withdrawals per month. Additional withdrawals $4 each
• Free On-line banking. (Bill Pay access not available on savings accounts)
• Interest is compounded daily, credited quarterly, and paid on collected balance
• Printed Statements are provided quarterly; electronic statements available
• No Check Card/ATM card issued on account

• Available to those under age 18; requires an adult custodian
• No minimum deposit required to open
• No minimum balance requirements
• No monthly maintenance fee
• Activity limited to two (2) withdrawals per month. Additional withdrawals $4 each
• Free On-line banking. (Bill Pay access not available on savings accounts)
• Interest is compounded daily, credited quarterly, and paid on collected balance
• Printed Statements are provided quarterly; electronic statements available
• No Check Card/ATM card issued on account
• Converts to Personal Savings account the month following the minor’s 18th birthday

• Minimum deposit to open - $1,000
• Monthly Maintenance Fee: None, if daily minimum balance is ≥$1,000 or >$2,500 average collected balance; Otherwise, $10 per month
• Six (6) total debit transactions allowed per statement cycle
• If debit limits are exceeded, fee is $10 per excessive transaction
  If an account continuously exceeds the debit transaction limit, we are
  required by law to close the account or transfer the account to another type of account
• No minimum balance required to earn interest
• Free On-line banking.  No Bill Pay access
• No Check Card issued on account
• Printed Statements provided monthly; electronic statements available
• Interest is compounded daily, credited monthly, and paid on collected balance
• Tiered interest rates based on account balance are subject to change without notice
  $0.01 - $10,000.00
  $10,000.01 - $25,000.00
  $25,000.01 - $50,000.00
  $50,000.01 - $100,000.00
  $100,000.01 and over

The minimum daily collected balance referenced in this schedule is the current daily ledger balance less the amount of any checks deposited that are in the process of being collected. The average monthly collected balance is calculated by adding the collected balance for each day of the statement period and dividing that figure by the number of days in the statement period.

This service provides a line of credit attached to your personal checking account (*subject to credit approval). Funds will be transferred from the line of credit to your account in $50 increments when checks, in-person withdrawal, ATM withdrawal or other electronic debits are presented on your account against insufficient funds. This protection saves you the bank insufficient fund fee and return check charge from the merchant. You will receive a monthly statement disclosing the outstanding balance and the required minimum payment. Interest is calculated on the outstanding line of credit balance from the date the transfer occurs from the line of credit.

• Annual Percentage Rate on Overdraft Line of Credit is 16%