• Minimum opening deposit
• Minimum daily balance to avoid service charge 
• Average daily balance to avoid service charge
• Monthly fee for less than minimum or average daily balance

• Minimum opening deposit
• Minimum daily balance to avoid service charge
• Minimum average daily balance to avoid service charge
• Minimum daily balance to obtain annual percentage yield (APY)
• Monthly fee for less than minimum or average daily balance

Unlimited check writing with no fees if minimum daily balance or average daily balance is maintained.
NOW accounts are limited to personal, sole proprietors, association accounts, and non-profit organizations.

• Minimum opening deposit
• Minimum daily balance to avoid service charge
• Minimum average daily balance to avoid service charge
• Minimum daily balance to obtain annual percentage yield (APY) 
• Monthly fee for less than minimum or average daily balance

Limited to six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts,
debit card and similar transactions per statement cycle. An excessive activity fee of
$25.00 wll be charged for each debit transaction in excess of six during a monthly statement cycle.

• Minimum opening deposit
• Minimum daily balance to avoid quarterly service charge
• Minimum average daily balance for the quarter to avoid quarterly service charge
• Minimum daily balance to obtain annual percentage yield (APY)
• Quarterly fee for less than minimum or average daily balance for the quarter  

Limited to six preauthorized withdrawals, automatic or telephonic transfters, checks, drafts,
debit card and similar transactions per statement cycle.  An excessive activity fee of
$25.00 will be charged for each debit transaction in excess of six during a quarterly statement cycle.

• Minimum opening deposit
• Minimum daily balance to avoid service charge
• Minimum average daily balance to avoid service charge
• Monthly fee for less than minimum or average daily balance

• Minimum opening deposit
• Minimum daily balance to avoid service charge
• Minimum average daily balance to avoid service charge
• Minimum daily balance to obtain annual percentage yield (APY)
• Monthhly fee for less than minimum or average daily balance

• Minimum opening deposit
• Minimum daily balance to avoid service charge
• Minimum average daily balance to avoid service charge
• Minimum daily balance to obtain annual percentage yield (APY)
• Monthhly fee for less than minimum or average daily balance

Unlimited check writing with no fees if minimum daily balance is maintained.
NOW accounts are limited to personal, sole proprietors, association accounts, and non-profit organizations.

• Minimum opening deposit
• Minimum daily balance to avoid service charge
• Minimum average daily balance to avoid service charge
• Minimum daily balance to obtain annual percentage yield (APY) 
• Monthlyee for less than minimum or average daily balance

Limited to six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts,
debit card and similar transactions per statement cycle.  An excessive activity fee of
$25.00 will be charged for each debit transaction in excess of six during a monthly statement cycle.

• Minimum opening deposit
• Minimum balance balance to avoid quarterly service charge
• Miniumum average daily balance for the quarter to avoid quarterly service charge
• Minimum daily balance to obtain annual percentage yield  (APY)
• Quarterly fee for less than minimum or average daily balance for the quarter 

Limited to six preauthorized withdrawals, automatic or telephonic transfters, checks, drafts,
debit card and similar transactions per statement cycle.  An excessive activity fee of
$25.00 will be charged for each debit transaction in excess of six during a quarterly statement cycle.

• Time certificates of deposit are available with varying interest rates and terms. Contact any Bank Officer for a current rate quote. A substantial early withdrawal penalty will be imposed if a certificate of deposit is withdrawn prior to maturity.

• Minimum opening deposit
• Annual Maintenance Fee
• Transfer Fee
• Closing Fee

• A variety of Individual Retirement Accounts (IRAs) are available. Contact your local Branch Office for additional details. A substantial early withdrawal penalty will be imposed if an IRA is withdrawn prior to maturity .