Deposit Accounts
  

REGULAR CHECKING ACCOUNT
Minimum balance to open the account - You must deposit $200.00 to open this account.
Minimum balance to avoid imposition of fees - If your balance falls below $500.00 on any day in the monthly statement cycle we will impose a service charge fee of $6.00 once during the statement cycle. This fee does not apply to customers 55 and over or full-time students.
 
 
PASSBOOK SAVINGS ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account quarterly.
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Passbook Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
Fees:
A per item service charge fee of $.50 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a quarterly statement cycle.
 
 
 
COMMUNITY SAVINGS ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account every week.
Determination of rate - The interest rate on your account will be equal to 75% of the 3-Month Treasury Bill rate.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account quarterly.
Minimum balance to open the account - You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every month if the balance in the account falls below $10,000.00 any day of the month.
Daily balance computation method - We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Community Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
 
 
FIRST CHOICE CHECKING ACCOUNT /
FIRST CHOICE SENIOR CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at anytime.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to open the account - You must deposit $200.00 to open this account.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you  deposit noncash items (for example, checks).
Fees:
A service charge fee of $7.00 will be charged each monthly statement cycle for First Choice Checking accounts.
A service charge fee of $3.50 will be charged each monthly statement cycle for First Choice Senior Checking accounts.
 
 
SENIOR CITIZENS CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to open the account - You must deposit $200.00 to open this account.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
 
 
NOW ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to open the account - You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
 
 
MONEY MARKET CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at anytime.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to open the account - You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits  - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Money Market Checking account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.
Fees:
A per item service charge fee of $10.00 will be charged for each debit transaction in excess of three during a month.
 
 
HSA
 Rate Information – Your interest rate and annual percentage yield may change at any time.
Compounding frequency – Interest will be compounded daily.
Crediting frequency- Interest will be credited into this account monthly.
Daily balance computation method – Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits – Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum balance to open – The minimum balance required to open this account is $200.00.
Deposit limitations – You may make an unlimited number of deposits into your account.
 
  
  
Common Features
  

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
Check printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(fee depends on style of check ordered)
Counter checks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 per book of 10
Cashier's check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00
Money orders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . .. .$3.00
Traveler's checks. . . . . . . . . . . . . . . . . . . . . ..  . . . . . . . . . . . . . . . . . . . . $1.50 per $100.00
Overdraft (each overdraft paid). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $25.00
            Nonsufficient funds - each . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00
            Nonsufficient funds - check. . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . .  . . . .$25.00  
Nonsufficient funds - ATM withdrawal . . . . . . . . ..  . . . . . . . . . . . . . . . . . . . . . . .  . . .$25.00
Daily Overdraft fee (after 5 consecutive days)n. . . . . . . . . . . . . . . . . . . . . . . . . $5.00 per day
Account Closing within 90 days of opening . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . $25.00
Dormant Account monthly fee (if balance is below $1,000.00)
            Checking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . .$5.00
            Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . .  . . .$5.00
Account activity printout. . . . . . . . . .  . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . .  . .$5.00
Special statement cutoff. . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . $10.00
Account research . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per hour after first 15 minutes
Account balancing assistance. . . . . . . . . . . . . . . . . . .  $25.00 per hour after first 15 minutes 
Photocopies of checks, deposit tickets & statements from microfilm . . . . . . . . . . .$8.00 each
Stop payments - each . . . . . .. . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20.00
Stop payments – check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . $20.00
Photocopies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $.50
Wire transfer – outgoing . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30.00
Wire transfer – incoming. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15.00
Return checks on loan payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10.00
Notary service. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00
Collections (incoming or outgoing ) . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 
Chargebacks. . . . . . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00
Garnishments or levies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
  
  
NOTICE: