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Statement Savings Health Savings Money Market Certificate of Deposit Individual Retirement Account Christmas Club

Best fit for you if you...

Need a simple savings account

Want to save for medical expenses

Want interest paid based on account balance

Want fixed term savings

Are planning for the future

Want to set aside funds for the holiday season

Monthly Fee

$0 with minimum daily balance of $300.00+; otherwise $3

3 free withdrawals per month; additional withdrawals are $3 each

* Minor/Student thru age 18 exempt from fees

No monthly fee

$0 with average daily balance of $2,500.00+; $8 with average daily balance of $1,500-$2,499.99; $10 with average daily balance of $0-$1,499.99

Penalties for early withdrawal

Penalties for early withdrawal

No monthly fee; early account closing fee of $20

Statement Options

Free E-Statement

Free E-Statement or Paper Statements for $2 per month

Free E-Statement

View activity online or combine with your monthly DDA/SAV statement

Interest

Not Applicable

Not Applicable

Interest payable on balances over $1,500 (based on NOW and MM Rates)

Rates vary based on the amount and term

Rates vary based on the amount and term

The bank will make your final payment if payments are made by established deadline

Special Features

A total of six withdrawals are permitted each statement cycle

A total of six withdrawals are permitted each month; if withdrawals exceed that limit a $10 excess withdrawal fee is assessed

Penalties for early withdrawal

Withdrawals during the CD term


FDIC Insurance Coverage for Transaction Accounts

Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Non-Interest Bearing Transaction Accounts

As of January 1, 2013, funds deposited in a non-interest bearing transaction account (for example, a non-interest bearing checking account), including an Interest on Lawyer Trust Account, no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013 all of a depositor’s accounts at an insured depository institution, including all non-interest bearing transactions accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance converge of non-interest bearing transaction accounts, visit: www.fdic.gov/deposit/deposits/unlimited/expiration.html.