Deposit Products and Services

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

Money Market Accounts

Transfers from Money Market Accounts to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six transfers per statement cycle with no more than three by check, draft or similar order to third parties.

Account	Rate Information	Balance Information	Limitations	Account Fees
Regular Money Market Account	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 may not receive your accrued interest.	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 $2,500.00 in the account each day to obtain the disclosed annual percentage yield.	You must deposit $2,500.00 to open this account. Transfers from Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six transfers per statement cycle with no more than six by check, draft or similar order to third parties.	Must maintain a $2,500.00 minimum balance to avoid a service charge. If your account drops below the $2,500.00 minimum balance you may be charged a maintenance charge of $10.00 a month.
Super Money Market Account	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 may not receive your accrued interest.	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 $10,000.00 in the account each day to obtain the disclosed annual percentage yield.	You must deposit $10,000.00 to open this account Transfers from Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six transfers per statement cycle with no more than six by check, draft or similar order to third parties.	If your account drops below the $10,000.00 minimum balance you may be charged a maintenance charge of $10.00 a month.
Superior Money Market Account	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 may not receive your accrued interest.	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 $25,000.00 in the account each day to obtain the disclosed annual percentage yield.	You must deposit $25,000.00 to open this account Transfers from Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six transfers per statement cycle with no more than six by check, draft or similar order to third parties.	If your account drops below the $25,000.00 minimum balance you may be charged a maintenance charge of $10.00 a month.

Checking Account Fees
Overdraft Charge: “An overdraft fee applies to overdrafts created by check, in-person withdrawal or other electronic means”	$20.00 per item $20.00 per day after the account is overdrawn for five (5) consecutive days
Non-Sufficient Fund Charge	$20.00 per item
ATM Cards - Issue Fee - Monthly Charge - Replacement Fee - Reset PIN - Reactivate Card	$12.00 $1.00 $10.00 $5.00 $5.00
Online Bill Pay	$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
Counter Checks	$1.00 per check

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
Balance Inquiries	$3.00 after 4 per month
Dormant Account Fee	$5.00 Monthly with two (2) years of inactivity

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

Other Account Services
Checks - Certified - Money Orders	$10.00 per item $1.00 per hundred; $5.00 maximum charge
- Wire Transfers - Incoming - Outgoing	$10.00 per item $15.00 per item