Type of Account	Minimum Balance	Specifications
Free Checking	None	-No monthly service charge -No checks or images returned -Overdraft Privilege available -Free Online Banking -Online Bill Pay free for 30 day trial, then $2.95 per month for 10 bill payments, additional payments $.55 each
Regular Checking	None	Minimum Balance            Fee   $400 & above                Free  $300 to $399.99            $2.00  $200 to $299.99            $3.00  $100 to $199.99            $4.00  Below $100                   $5.00 -$.15 per debit in excess of 20 per statement if below $400 -Overdraft Privilege Available -Free Online Banking -Online Bill Pay - no service charge for first 10 bill payments per statement, $.55 each exceeding the 10 free bill payments -18 years & younger  - no service charge
NOW Checking	$1000.00	-Competitive Interest Rate -$10.00 fee will be imposed if the balance falls below $1000.00 -Free Online Banking -Online Bill Pay - no service charge for first 10 bill payments per statement, $.55 each exceeding the 10 free bill payments
Super NOW	$2,500.00	-Interest Rate in four tiers to maximize your return -$10.00 fee will be imposed if the balance falls below $2,500.00 -A service charge of $.15 will be charged for each transaction in excess of 10 during a statement cycle -Online Bill Pay - no service charge for first 10 bill payments per statement, $.55 each exceeding the 10 free bill payments
Money Market	$2,500.00	-Interest Rate in four tiers to maximize your return -$10.00 fee will be imposed if the balance falls below $2,500.00 -6 transfers per statement cycle   (3 by check to 3rd parties / 3 by drafts & transfers) -Free Online Banking
Savings	None	-Competitive Interest Rate -$2.00 fee if minimum balance falls below $100 any day of the month -4 withdrawals per month free, $.50 charge for each in excess of 4 per month -Free Online Banking -18 years & younger  - no service charge
Christmas Club	None	-Competitive Interest Rate -No withdrawals during year -Check mailed to you at end of October
Golden Harvest Club		-For those 62 & older -Free basic Check imprinting -No service charge on personal checking accounts -No service charge for stop payments
Business Checking	None	-$7.50 monthly maintenance fee -Can be free of activity charges when the earnings credit is sufficient to cover the cost of all activity charges. An earnings credit is calculated on the average collected monthly balance. The earnings credit rate is subject to periodic changes. Monthly activity charges are applied as follows:   -Checks paid..........................$.12 each    -Deposits made......................$.20 each -Checks deposited.................$.10 each          -Free Online Banking -Online Bill Pay free for 30 day trial, then $2.95 per month for 10 bill payments, additional payments $.55 each
Economy Business Checking	None	-For businesses with a minimal number of items processed each month & a low demand for currency & coin services. -No monthly service charge -100 items processed with no charge, then $.25 per item in excess of 100 items per statement cycle.  Items include checks written, checks deposited, deposits, funds transfers, check card transactions, ACH transactions, electronic transactions. -Free Online Banking -Online Bill Pay free for 30 day trial, then $2.95 per month for 10 bill payments, additional payments $.55 each