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 Personal Accounts
ADVANTAGE CHECKING
                $100.00 minimum to open
Minimum Daily Balance Maintenance Fee
$500.00 and over No Charge
$0 to $499.99 $ 7.00
Combine with a $1,000.00 minimum in a related savings account or a Direct Deposit to avoid monthly maintenance fee.

FIFTY PLUS CHECKING
                $100.00 minimum to open
No minimum balance required
No monthly maintenance Fee
No "fee" charged for money orders, travelers checks
Money Order limit of 4 per month
Must be age 50 to qualify

FREEDOM CHECKING
                $100.00 minimum to open
Minimum Daily Balance
Must maintain a $10,000.00 balance in certificates of deposit, savings account or a personal line of credit to avoid a $15.00 maintenance fee.

No charge for personalized checks
Unlimited use of telephone banking
Personal line of credit for qualified applicants
No fee for travelers checks, money orders or cashiers checks
Loan rate discounts
50% off the first year's rent on new safety deposit box rental

NOW CHECKING
                $1,500.00 minimum to open
Minimum Daily Balance Maintenance Fee
$1,500.00 and over No Charge
$0 - $1,499.99 $9.00
$2,000.00 average daily balance No Charge
Interest is compounded daily and paid monthly.

Overdraft Protection Available on all Checking Accounts thru Designated Savings Accounts or Line of Credit.

INVESTOR'S CHOICE MONEY MARKET
                $2,500.00 minimum to open
Minimum Daily Balance Maintenance Fee
$2,500.00 and over No Charge
$0 - $2,499.99 $10.00 monthly
Federal Regulations limit the number of preauthorized transfers or withdrawals from a Money Market Account to six per month. Each additional check or debit over the six allowed is $3.00 per item.

Interest is compounded daily, paid monthly and calculated at one of four tiers.

HEALTH SAVINGS ACCOUNT
                $100.00 minimum to open
Minimum Daily Balance Maintenance Fee
$2,000.00 and over No Charge
$0 to $1,999.99 $3.00 monthly
Over 3 checks per monthly cycle $2.00 per item
Excess Contribution Withdrawals $3.00 per withdrawal
Interest is compounded daily and paid monthly.

A $20.00 set-up fee will charged at new account opening. At time of closing or transfer a $10.00 closing fee will be assessed.

Must have a High Deductible Insurance Plan to qualify

REGULAR SAVINGS ACCOUNT
                $100.00 minimum to open
Minimum Daily Balance Maintenance Fee
$100.00 and over No Charge
$0 - $99.99 $4.00 quarterly
Over 6 withdrawals per quarter $1.00 per withdrawal
Interest is compounded daily and paid quarterly.

Federal Regulations limit the number of preauthorized transfers or withdrawals from a savings account to six per month.

CHECKING or SAVINGS Account closed within 6 months, assessed a $10.00 charge.
To report a lost or stolen ATM or Debit Card please call 1-800-236-2442, available 24/7.
To report a lost or stolen Health Savings Account Debit Card Please call 1-888-886-6023, available 24/7.
To report a lost or stolen Credit Card please call 1-800-558-3424, available 24/7.
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