Personal and Business Statement Savings Account

• Required minimum deposit of $100
• NO monthly service fee if $100 minimum balance is maintained. If the balance falls below $100 any time during the quarter, the account will be charged $5.00 for that quarter. 
• A withdrawal charge of $3.00 will be charged for each withdrawal in excess of three (3) during the quarter.

Personal and Business Money Market Account

• Required minimum deposit of $1000
• Interest bearing “savings” account that allows check-writing
  
• NO monthly service fee if $1000 minimum balance is maintained during the statement cycle. If balance falls below $1000 any time during the cycle, the account will be charged $4.00 and $0.20 per check for each third party check in excess of three (3) during the statement cycle. 
  
• Up to six (6) transfers and/or withdrawals allowed per statement cycle
  

*We may approve certain transactions that overdraw your account:

1. An overdraft fee of $30.00 may be charged for each transaction that overdraws your account.
2. The categories or types of transactions that may overdraw your account include payments, purchases, and transfers. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
3. Whether your overdrafts will be paid or not is at our sole discretion and we reserve the right not to pay.
4. We reserve the right to require you to repay your overdrafts immediately or on demand.

**When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.)