Account benefits for all balances include:

• Checks with unlimited check writing
• Free Visa® Debit Card with unlimited point-of-sale transactions
• Free Online Banking and Bill Pay
• Interest earned on every dollar²
• Monthly statements for viewing transactions-receive free images with E-statements ($2 monthly fee for paper statements)
• Free Mobile Banking³

Competitive Choice Rates

$0-2,499 = 0.65% APY ¹
$2,500-4,999 = 1.05% APY ¹
$5,000-14,999 = 1.35% APY ¹
$15,000+ = 1.81% APY ¹

¹ Annual Percentage Yield. Rate effective 1/15/10. Interest is compounded and credited monthly. ²Interest begins to accrue no later than the business day we receive credit for the deposit on non-cash items (for example: checks). Rates subject to change at any time. ³Fee may be assessed by your Mobile Service Provider.

Annual Fee Schedule:*

• $0-$999 = $25 annual fee
• $1,000-1,499 = $15 annual fee
• $1,500+ = $0 annual fee

*If account is closed within 12 months of opening, a $25 fee will be incurred. The annual fee is based on the year-end ledger balance of December 31 of every year, and is charged on January 1 of the following year.