Personal Checking Account Matrix



Required Opening Deposit
Daily Minimum Balance
Monthly Service Charge
Activity Frees
Interest Bearing
Additional Information

ELECTRONIC CHECKING
$100

$6.00 monthly service charge, waived IF:
- Enrolled to receive Electronic Statements (eStatements) instead of paper statement
- You are 50 years of age, or older
Standard fees apply (e.g., overdraft fee)
No
Overdraft privilege may apply** If over 50 years of age, customer will receive:
- Free exclusive checks (80 per year)
- 20% discount on one safe deposit box (up to $14.00 savings per year)
- Free Cashiers Checks ($3.00 savings per check)

REGULAR CHECKING
$100
$300
$6.00 monthly service charge, waived IF:
- Customer maintains minimum balance
Standard fees apply (e.g., overdraft fee)
No
Overdraft privilege may apply**

SUPERNOW
$1,000
$1,000
None, however,
- A $10 monthly service fee will apply, if the account balance falls below the minimum at any time during statement cycle
Standard fees apply (e.g., overdraft fee)
Yes, interest is paid monthly*
Unlimited Check Writing
Overdraft privilege may apply**

MMDA CONSUMER
$1,000
$1,000
None, however,
- A $10 monthly service fee will apply, if the account balance falls below the minimum at any time during statement cycle
Standard fees apply (e.g., overdraft fee)
Yes, interest is paid monthly*
Unlimited Check Writing
Overdraft privilege may apply**

MMDA GOLD (TIERED INTEREST ACCOUNT)
$1,000
$1,000
None, however,
- A $10 monthly service fee will apply, if the account balance falls below the minimum at any time during statement cycle
Standard fees apply (e.g., overdraft fee)
Yes, interest is paid monthly*
Current rate and APY are based on daily balance in account (see below)
$0.01 to $10,000.00
$10,000.01 to $25,000.00
$25,000.01 to $50,000.00
$50,000.01 to $100,000.00
$100,000.01 to $200,000.00
$200,000.01 to $1,000,000.00
$1,000,000.01 and Over
NO interest accrued if account balance falls below minimum at any time during the statement cycle
Overdraft privilege may apply**