Regular Checking
$100 opening deposit required
No minimum balance required
Unlimited check writing
Free ATM card
$4.50 monthly service charge

Consumer Free Checking
$100 opening deposit required
No minimum balance required
Unlimited check writing
Free ATM Card
No Images returned with statement

Electronic Free Checking**
$100 opening deposit required
NO minimum balance required
NO monthly service charge
FREE checks
FREE Debit or ATM Card
FREE Images
FREE Online Bill Pay
FREE Online Banking
Statements must be received electronically via encrypted email
Qualifying Accounts are eligible to earn interest
Tiered Rates -

Interest Checking**
$100 opening deposit required
You must maintain a $500.00 minimum daily balance or an average daily balance of $750.00 to avoid a monthly service charge of $10.00. Service charge may reduce earnings.
If images are returned with statement there will be a $3.50 per month service charge
Unlimited check writing
Free ATM card

Tiered Rates

"Student" Checking
$100 opening deposit required
No minimum balance
Non-Interest bearing account
Free checks
Unlimited check writing
15 free debit card transactions per month, then $0.25 each

"Senior"Checking
$100 opening deposit required
No minimum balance
Non-interest bearing account
Free checks
Unlimited check writing
Free ATM card
If check images returned with statement, $3.50 per month

The "Premium" Club Account
$100 opening deposit required
A monthly service charge of $9.50 (Individual) or $10.50 (Joint) will be charged per month.
Unlimited Checking
Images returned with statement
Free Personalized Checks
Free Debit Card
Free Transfers
Free 3x5 Lock Box
Free Stop Payments
Free Cashiers Checks and Travelers Cheques
Accidental Death Insurance

Money Market Accounts
$1000 opening deposit required
Tiered service charge according to your monthly balance.
$0 - $999.00, $12.00 per month.
$1000.00+, no charge.
If check images are returned with your monthly statement there will be a $3.50 monthly service charge Service charge may reduce earnings.

Variable Rates - Tiered Balance Structure

Rates may change after account is opened

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

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

--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

**Interest Checking accounts and Money Market accounts are compounded monthly and are variable rate accounts. Electronic Free Checking accounts are not compounded monthly and are variable rate accounts.

APY = Annual Percentage Yield
APY accurate as of February 24, 2010 and are subject to change at any time