Checking Terms & Conditions

CHECKING TERMS & CONDITIONS

Everyday Checking Account:

Dividends: There are no dividends paid on the Account.

Minimum Balance Requirements: There is no minimum balance required to open or maintain the Account.

Transaction Limitations: There are no transaction limitations for the Account.

Fees and Charges: A monthly Account fee will be assessed on the last day of each month as reflected in our Schedule of Fees. You may avoid the monthly Account fee by: (1) receiving direct deposit of at least $500 per month; or (2) maintaining an average daily balance of $200.

Premium Checking Account:

Dividends: There are no dividends paid on the Account.

Minimum Balance Requirements: There is no minimum balance required to open or maintain the Account.

Transaction Limitations: There are no transaction limitations for the Account.

Fees and Charges: A monthly Account fee will be assessed on the last day of each month as reflected in our Schedule of Fees.

Elite Checking Account:

Dividends: See disclosures concerning dividends on the Checking Rates page.

Minimum Balance Requirements: There is no minimum balance required to open or maintain the Account.

Transaction Limitations: There are no transaction limitations for the Account.

Fees and Charges: A monthly Account fee will be assessed on the last day of the month as reflected in our Scheduled of Fees.