# Checking Accounts

- Elite
- Elite 55
- Now Checking Account
- Senior Gold 55 Checking
- Corporate Checking
- Commercial Checking With Interest
- Star Free Checking

## Elite

This is an Interest Bearing Checking Account

**Rate Information:** This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited, you will not receive the accrued interest.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average of the daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $100.00 to open this account.

**Account Fees:** There is a Monthly Elite Account Service Charge of $7.00. There is No Required Daily Available Balance to maintain. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

## Elite 55

This is an Interest Bearing Checking Account for customers 55 Years of Age and older

**Rate Information:** This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited, you will not receive the accrued interest.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average of the daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $100.00 to open this account.

**Account Fees:** There is a Monthly Elite 55 Account Service Charge of $5.00. There is No Required Daily Available Balance to maintain. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

## Now Checking Account

This is an Interest Bearing Checking

**Rate Information:** This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited, you will not receive the accrued interest.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average of the daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $1,000.00 to open this account.

**Account Fees:** There is No Monthly Service Charge if you maintain a Daily Average Available Balance over $1,000. There is a $5.00 Monthly Maintenance Charge if the Average Daily Balance falls below $1,000.00. There is No Required Daily Available Balance to maintain. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

## Senior Gold 55 Checking

Senior Gold 55 Checking is an Interest Bering Account for customers 55 Years of Age and Older.

**Rate Information:** This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited, you will not receive the accrued interest.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average of the daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $500.00 to open this account.

**Account Fees:** There is No Monthly Service Charge if you maintain a Daily Average Available Balance over $500. There is a $3.00 Monthly Maintenance Charge if the Average Daily Balance falls below $500.00. There is No Required Daily Available Balance to maintain. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

## Corporate Checking

Corporate Checking is a Non-Interest Bearing Account for all Incorporated Entities

**Limitations:** You must deposit $500.00 to open this account.

**Account Fees:** There is No Daily Average Available to Maintain. There is a $5.00 Monthly Service Charge for 30 Debit Items or less per Statement Cycle. For more than 30 Debit Items per Statement Cycle there is a $10.00 Monthly Maintenance Charge.

## Commercial Checking With Interest

Commercial Checking is an Interest Bearing Account for all Non-Incorporated Businesses and Non-Personal Entities.

**Rate Information:** This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited, you will not receive the accrued interest.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average of the daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $200.00 to open this account.

**Account Fees:** There is a $5.00 Monthly Service Charge for 30 Debit Items or less per Statement Cycle. For more than 30 Debit Items per Statement Cycle there is a $10.00 Monthly Maintenance Charge. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

## Star Free Checking

Star Free Checking is a Free, Non-Interest Bearing Account

**Limitations:** You must deposit $100.00 to open this account.

**Account Fees:** There is No Monthly Service Charge and No Minimum Daily Average Balance to Maintain. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.