Checking Accounts

You’ll love earning CD-like rates and getting Free ATMs nationwide! Earn 2.00% APY* bonus rate on your balances up to $25,000 and 1.01% APY* bonus rate on your balances over $25,000 and receive refunds on your ATM fees** when you meet a few easy requirements each statement cycle; or earn 0.10% APY* base rate if requirements are not met.

Free Rewards Checking
You’ll love earning CD-like rates and getting Free ATMs nationwide! Earn 2.00% APY* bonus rate on your balances up to $25,000 and 1.01% APY* bonus rate on your balances over $25,000 and receive refunds on your ATM fees** when you meet a few easy requirements each statement cycle; or earn 0.10% APY* base rate if requirements are not met.

To earn the Bonus Rates, meet the following each cycle:

Other features of this account include:

2.00% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 1.01% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period. Rates as December 24, 2009. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However, you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. ** ATM refunds if requirements are met. *** Overdraft protection available to accounts in good standing, defined by bringing the account into positive balance at least once every 30 days.

Advantage Club:
A package of great benefits wrapped up in one account.

• No minimum balance requirements

• Unlimited check writing

• $10,000 accidental death & disability insurance

• $10,000 identity theft insurance

• Credit Card Protection service

• Free wallet style club checks

• Free travelers check and free cashiers checks

• Free notary service and fax service

• Earn interest checking rate on balances greater than $500

• Free ATM / Check Card*

• Free Online Banking

• No Bounce Advantage Overdraft Protection**

• All of this for only $5 per month

• Minimum opening deposit of $100

Advantage 50 Club:
If you’re 50 years old or better, you’ll enjoy all of the benefits of the Advantage Club account plus the following benefits for only $4 per month:

• $10 discount on the annual rental fee of any size safe deposit box

• Earn preferred rates on certificates of deposit (CDs) that are $2000 or more. (Bonus rate is equal to 10 basis points above the published rate on the term you choose.)

Totally Free Checking:
What’s better than free? This account gives you the flexibility of unlimited check writing and no monthly fees.

• No monthly service charge and no minimum balance requirements

• Write all the checks you want with no per check charge

• Free ATM or Check Card*

• Free Online Banking

• No Bounce Advantage Overdraft Protection**

• Minimum opening deposit of $25

Interest Checking:
Enjoy all of the conveniences of a checking account while you earn interest on your money. This account is available to individuals, sole proprietors, non-profit organizations, and government entities.

• No monthly fee when you maintain a minimum daily balance of $750

• If the balance drops below $750, there is a monthly service charge of $7.00 plus $0.15 per withdrawal over 15 during the statement cycle

• Earn the current interest checking rate, compounded monthly

• Free box of 150 wallet style checks

• Free ATM or Check Card*

• Free Online Banking

• No Bounce Advantage Overdraft Protection**

• Minimum opening deposit of $750

*Upon approval
**Available to those who maintain their account in good standing, defined by bringing account to a positive balance at least once every 30 days.

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