| NOW ACCOUNT |
| Minimum deposit to open account |
$500.00 |
| Minimum balance to avoid imposition of fees--A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. |
| Interest Rate |
See Rate Sheet |
| Annual Percentage Yield |
See Rate Sheet |
| Minimum balance required to obtain APY as listed |
$500.00 |
| Method of Computation |
Daily Balance* |
| Interest will be Credited |
Monthly |
| Interest will be Compounded |
Monthly |
| On non-cash items interest will begin to accrue on the next business day.
If you close your account before interest is credited, you will not receive the accrued interest.
|
| Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. |
| Statement Period |
Monthly |
| Overdraft Charge |
$15.00 |
| Stop Payment Charge |
$10.00 |
| Insufficient Funds Charge |
$15.00 |
| *The daily balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day. |
| COMMON FEATURES |
|
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
|
| Check printing |
(fee depends on style of check ordered) |
| Cashier's checks |
$2.00 |
| Overdraft (each debit or check paid) |
$15.00 |
| Nonsufficient funds (NSF) item (each) |
$15.00 |
| Account research |
$25.00 per hour |
| Account balancing assistance |
$10.00 per hour |
| Stop payments (all items) |
$10.00 |
| We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
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