| Checking Account |
Minimum Initial Deposit |
Minimum Daily Balance (No charge) |
Interest Bearing |
Minimum Daily Balance to Bear Interest |
Maintenance Fee¹ |
$5,000 |
Analysis Program 4 |
No |
N/A |
$15 monthly
Debit $0.15 each
Credits $0.30 each
Deposited Items $0.10 |

| Money Market2,3 |
Minimum Initial Deposit |
Minimum Daily Balance (No charge) |
Interest Bearing |
Minimum Daily Balance to Bear Interest |
Maintenance Fee¹ |
$5,000 |
$2,500 |
Yes |
$5,000 |
$15 monthly
$10 for each transaction in excess of monthly limit² |

| Money Market Premium2,3 |
Minimum Initial Deposit |
Minimum Daily Balance (No charge) |
Interest Bearing |
Minimum Daily Balance to Bear Interest |
Maintenance Fee¹ |
$25,000 |
$25,000 |
Yes |
$25,000 |
$15 monthly
$10 for each transaction in excess of monthly limit² |

| Savings Account2,3 |
Minimum Initial Deposit |
Minimum Daily Balance (No charge) |
Interest Bearing |
Minimum Daily Balance to Bear Interest |
Maintenance Fee¹ |
$5,000 |
$2,500 |
Yes |
$5,000 |
$15 monthly
$10 for each transaction in excess of monthly limit² |

N/A: not-aplicable
1 These charges apply when the account balance is below the required minimum.
2 Pre-authorized transations are limited to six (6) per statement cycle, three (3) of which may be draft, check, or POS transaction to a third party.
3 If you close your account before the expiration date, you will not receive the accrued interest.
4 Based on banking regulations, a penalty for premature cancellation of time deposits will apply.
Analysis Program: In order
to provide the highest quality of service at a competitive
price, charges on our commercial accounts are determined
by our analysis program. This analysis program allows us
to assess service charges based upon the activity and balance
of your account, offset by an earnings credit for service
charges based upon the activity and balance of your account,
offset by an earnings credit for investable balances you
maintain with us.
Earnings Credit: The earnings credit is
calculated by using the previous month's 91 day Treasury
Bill average rate applied to the investable (collected balance
for the month, less a 10% reserve requirement).
FDIC Insurance Fee: A fee assessed due to the cost of FDIC insurance coverage. Fee is calculated by using the current FDIC charge factor times the monthly average daily balance or $1 minimum charge for FDIC assessment.
Rev.: April, 2007 | Back to Top
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