PRODUCTS AND SERVICES Personal Accounts | Commercial Accounts | Rates | Common Features | Loans | Calculators Specialized Investments Personal Accounts First Checking Account $100 minimum deposit to open No minimum balance requirement No monthly service charge Unlimited check writing Check safekeeping for your convenience Free access to telephone and online banking Regular Checking Account $100 minimum deposit to open No minimum balance requirement Unlimited check writing $8 monthly service charge Free ATM access card Check imaging Free access to telephone and online banking Super NOW Checking Account $100 minimum deposit to open $1,000 minimum balance to avoid service fees Balance below $1,000 subject to monthly service charge Interest earned on average available balance, compounded and credited monthly A per item fee of $.20 will be charged for each debit transaction in excess of 30 during a statement cycle. This fee will not apply if you maintain an average available balance of $1,000.00. Check imaging Free access to telephone and online banking Senior Preferred Account Offered to our customers who are at least 55 years young $100 minimum deposit to open Interest earned on average available balance, compounded and credited monthly One free box of checks annually Free cashiers checks and money orders Discounted ATM cards and free foreign terminal usage Unlimited check writing Check imaging Free access to telephone and online banking Savings Account $100 minimum deposit to open (waived for customers until the age of 18) $200 minimum balance required to avoid a $2.50 monthly fee (waived for customers until the age of 18) Interest earned on daily available balance, compounded and credited quarterly Six transfers allowed per month, with no more than three checks to third parties $0.75 service charge fee assessed for each debit in excess of three per month Unlimited withdrawals allowed in person Free access to telephone and online banking Individual Money Market Account $1,000 minimum deposit to open Balance below $1,000 subject to monthly service charge Tiered interest rates Interest earned on average available balance, compounded and credited monthly Six transfers allowed per month, with no more than three checks to third parties $10 service fee assessed for each third party check in excess of three during a statement cycle Unlimited withdrawals allowed in person Free access to telephone and online banking Premier Yield Money Market Account $10,000 minimum deposit to open Balance below $10,000 subject to monthly service charge Interest earned on average available balance, compounded and credited monthly Six transfers allowed per month, with no more than three checks to third parties $10 service fee assessed for each third party check in excess of three during a statement cycle Unlimited withdrawals allowed in person Free access to telephone and online banking