Deposit Accounts and Common Features

   
REGULAR CHECKING ACCOUNT
Minimum balance to open the account - You must deposit $100.00 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 $7.00 once during the statement cycle. This fee does not apply to customers 55 and over or full-time students.
 
e-Z BANKING ACCOUNT
Minimum balance to open the account - You must deposit $100.00 to open this account.
Fees:
A service charge fee of $10.00 will be charged each monthly statement cycle if the
minimum monthly activity requirements are not met.
An application fee of $5.00 will be charged at account opening.
Minimum monthly activity requirements - To avoid the monthly service charge fee,
You must meet the following requirements:
Minimum one direct deposit per statement cycle.
E-statements are required.
Debit card and bill pay must be used at least once per statement cycle.
No check writing privileges.
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 or computer 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, telephone or computer  transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
 
CUSTOMER FIRST 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 $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
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 $10.00 will be charged each monthly statement cycle.
Additional features:
E-statement is required.
Bill Pay
One box of free checks at time of opening.
Online banking

 
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 $100.00 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
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 $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 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 Money Market Checking account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similiar order to third parties are limited to six per statement cycle.
Fees:
A per item service charge fee of $10.00 will be charged for each debit transaction in excess of three during a month.
 
HEALTH 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 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 will begin to accrue on the business day you deposit noncash items (for example, checks).
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 and quanity of check ordered)
Cashier's checks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00
Money orders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . .. . . . . . . . .. .$3.00
The categories of transactions for which an overdraft fee may be imposed are those by
any of the following means: check, in-person withdrawal, ATM withdrawal, or other
electronic means.
Paid item overdraft - each . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . .  . . .. . . . . . . . . . .$30.00
Daily overdraft after five consecutive days. . . . . . . . . . . . . . . . . . . .  . . .. . . . . . . . . . .$5.00 per day
Account Closing within 90 days . . . . . . . . . . . . . . .  . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . $25.00
Counter checks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 per book of 10
Return item overdraft - each. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . $30.00
Account activity printout . . . . . . . . . ... . . . . . . . . .  . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . .  . .$5.00
Special statement cutoff . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . $10.00
Account research  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per hour
Account balancing assistance. . . . . . . . . . . . . . . . . . . . . .  $25.00 per hour after first 15 minutes 
Photocopies of checks, deposit tickets and statements made from microfilm . . . . $8.00 each
Fax charge. . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . $1.00 per page, $2.00 minimum
Stop payments - each. . . . . . . . .  . . . . . .. . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00
Stop payments – check . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  .$25.00
Bill Pay . . . . . . . .. . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . . . .free
Photocopies . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $.50
Wire transfer – outgoing . . . . . . . . .  . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30.00
Wire transfer – incoming. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15.00
Safety deposit box late fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 per month
Return checks on loan payments . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10.00
Notary service. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00
Collections (incoming or outgoing ). . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00
Chargebacks. . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00
Garnishments or levies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75.00
Dormant savings and checking if balance falls below $1,000.00 . . . . . . . . . $5.00 per month

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.