PERSONAL CHECKING ACCOUNTS Totally Free Checking Account The CLUB Checking Account NOW Checking Account     PERSONAL SAVINGS ACCOUNTS Statement Savings Account Student Savings Account Insured Money Market Account Insured Prime Money Market Account Insured Prime Plus Money Market Account Certificates of Deposit Individual Retirement Account Christmas Club Account     PERSONAL LOANS Mortgage Loans Home Improvement Loans Consumer Installment Loans     STUDENT LOANS www.edamerica.net     BUSINESS SERVICES Business Checking Commercial Loans     WCB Travel Club A Pearl of a Tour Biltmore Estate     OTHER SERVICES Visa® Gift Cards ATM's Visa Check Card Telephone Banking Online Banking Switch Kit Visa Online Rewards The Club Member Benefits Online WCB Rewards