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

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

Interest Checking**
You must maintain a $500.00 minimum daily balance or an average daily balance of $750.00 to avoid an additional monthly service fee of $10.00. Unlimited check writing Free ATM card If images returned with statement $3.50 per month.

Tiered Rates

"Student" Checking
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
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
A monthly maintenance fee 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
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 fee.

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 Maintenance 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

**Checking accounts and MMDA accounts are compounded monthly and are variable rate accounts. APY = Annual Percentage Yield