• Minimum opening deposit: $100.00
• No minimum balance fee for daily balance over $500.00
• Tiered minimum balance fee if daily balance falls below:
  
  

  $400.00 - $499.99	a $7.00 balance fee
  $200.00 - $399.99	a $9.00 balance fee
  $ 0.00 - $199.99	an $11.00 balance fee
  Minimum balance fee will be waived if you set up direct deposit of payroll, Social Security or VA Benefits into checking account

  
  
• No transaction limitations apply to this account
• Overdraft protection from Savings account or secured Line of Credit (if approved)
• No per check charge

ATM/Visa debit card
24-hour telephone access
Computer banking

NOW Account

• Minimum opening deposit: $1,500.00
• No minimum balance fee for daily balance at $1,500.00 and over
• An $11.00 minimum balance fee on daily balance below $1,500.00
• Interest paid on balance at $1,500.00 and over

ATM/Visa debit card
24-hour telephone access
Computer banking

SUPER NOW Account

• Minimum opening deposit: $2,500.00
• No minimum balance fee for daily balance at $2,500.00 and over
• An $11.00 minimum balance fee on daily balance below $2,500.00
• Interest paid on balance at $1,500.00 and over

ATM/Visa debit card
24-hour telephone access
Computer banking

Additional disclosures are included in the depository agreement.