$100.00 opening balance - A deposit of $100.00 is required to open this account.

Minimum balance - A minimum balance of $100.00 must be maintained. A maintenance fee of $4.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month. Other fees may be charged to your account. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.

Quarterly Statement - The account receives a quarterly statement. (Monthly, if there are any electronic transactions)

Interest - The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for the account at any time. No interest will be paid on the account for the days the daily balance is $99.99 or less. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest for the account will be compounded monthly and credited to the account on the last business day of each month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). See our Deposit Rate Schedule for current rate.

Withdrawals - By law, this account is limited to six (6) pre-authorized (including automatic) transfers of funds per month. Three of these six transactions may be by check, draft, or similar device, payable to a third party. The account will be permitted no more than six (6) withdrawals or pre-authorized transfers, including automatic teller machine transactions per month. A charge of $.50 per transfer or withdrawal will be assessed for each transfer or withdrawal in excess of the permitted six (6). Exceeding the permitted six (6) may subject the account to closure.