Deposit Products & Services

iHelp Student Loans

Deposit Products and Services

Checking Accounts | Savings Accounts | Certificates of Deposit | Money Market | Other Services

Checking Accounts

Account	Rate Information	Limitations		Account Fees
Regular Checking	Non-interest bearing account	Required opening deposit on regular checking accounts is $50.00
Account	Rate Information	Balance Information	Limitations	Account Fees
Regular Now Account Checking	This Account is a variable interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.	We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on tiered rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.	You must deposit $750.00 to open this account	Must maintain a $750.00 minimum balance to avoid a monthly service charge. If your account drops below the $750.00 minimum balance you may be charged a service charge of $10.00 a month.
Super Now Account Checking	This Account is a variable interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.	We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on tiered rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield.	You must deposit $2,500.00 to open this account	If your account drops below the $2,500.00 minimum balance you may be charged a service charge of $10.00 a month. Must maintain a $2500.00 minimum balance to avoid a monthly service charge.
Superior Now Account Checking	This Account is a variable interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing. I	We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on tiered rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.	You must deposit $5,000.00 to open this account	If your account drops below the $5,000.00 minimum balance you may be charged a service charge of $10.00 a month. Must maintain a $5,000.00 minimum balance to avoid a monthly service charge.

Checking Account Fees
Overdraft Charge: “An overdraft fee applies to overdrafts created by check, in-person withdrawal or other electronic means”	$25.00 per day $25.00 per day after the account is overdrawn for five (5) consecutive days
Non-Sufficient Fund Return Check Charge	$25.00 per item
ATM Cards - Issue Fee Charge - Replacement Fee Charge	$15.00 $ 5.00
Online Bill Pay Service	$5.00 per month after 6 bills (first 6 bills are free, charge applied on 7th bill paid.)
Check printing:	Prices vary with your style selection

Other Account Fees The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Account:
Stop Payment	$20.00 per item
Account Reconciliation	$20.00 per hour
Account Research	$20.00 per hour
Account Closure	$10.00 within ninety (90) days
Dormant Account Charge	No dormancy charge

Clerical Services
Photocopies:	$.10 per copy
Fax	$3.00 per fax
Notary Fee	Complimentary service for customers

Other Account Services
Checks - Cashiers Check - Money Orders	$10.00 per item $1.00 per hundred; $5.00 maximum charge
Non-Customer Check Cashing	$2.00 per hundred over $100.01; $10.00 maximum charge
- Wire Transfers - Incoming - Outgoing	$25.00 per item $25.00 per item

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