Regular Business Checking Accounts
$100 opening deposit required
$4.00 charge per month---------$5.00 if mailed
$0.05 per service chargeable debit over 25 per month
$0.05 per not-on-us check deposited or cashed

Interest Checking**
$100 opening deposit required
You must maintain a $500.00 minimum daily balance or an average balance of $750.00 to avoid a service charge of $10.00.
$0.05 per not-on-us check deposited or cashed
If Images Returned With Statement, $3.50 per month
Unlimited Check Writing
Free ATM Card

Tiered Rates

Rates may change after account is opened

Negotiable Order of Withdrawal Accounts
Holders of Interest Checking Accounts:

1. Individuals
2. Sole proprietorships
3. Husband/wife partnerships
4. Non-profit organizations, including corporations, "operated primarily for religious, philanthropic, charitable education, political or other similar purposes. . . "
5. Public Funds ("Schools and other non-profit educational entities as well as well as public bodies, pursuant to the above language. . . ")

Specifically excluded from eligibility are:

1. Corporations
2. Non-Profit Corporations except as stated above
3. Partnerships other than husband and wife

Money Market Accounts
$1000 opening deposit required
Tiered service charge according to your monthly balance
$0.00 - $999.00, $12.00 per month
$1,000.00+ , no charge
If check images are returned with your monthly statement there will be a $3.50 monthly service charge

Variable Rates - Tiered Balance Structure

Rates may change after account is opened
Service charge may reduce earnings

Interest checking accounts & Money Market Accounts are compounded monthly and are variable rate accounts. APY is accurate as of February 24, 2010 and is subject to change at any time.
**APY = Annual Percentage Yield

All monthly service charges are subject to state and local option sales taxes.

The above accounts are subject to all fees and charges listed under Common Features, including check under charges.

Business Account Analysis
Certain high activity corporate accounts may require or
prefer account analysis. Details available upon request.