Savings Account
• $500.00 minimum opening deposit  
• If average daily ledger balance falls below $750.00 for the month, the fee will be $5.00
• Variable interest paid on principal balance, interest calculated daily, compounded and credited quarterly
• Statement on a semi-annual basis
• Limit of six preauthorized transfers each month. Withdrawals or transfers to another account owned by you in our bank made by mail, messenger, ATM, or in person are not subject to these limitations (Debits in excess of six per
  month—$10.00 per withdrawal)
• No charge for first 50 deposited items (Each deposited item over 50 is $.25)
• 24 Hour access to account information by phone or Internet

Money Market Account
• $500.00 minimum opening deposit
• If average daily ledger balance falls below $5,000.00 for the month, the fee will be $10.00
• Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
• Free check imaging on monthly statement
• 24 Hour access to account information by phone or Internet - (M.Y.O.B.)
• Limit of six preauthorized transfers each month including payments by check to third parties
• Fees include:

Excessive Withdrawals	$10.00 each
Deposited Items
20 or less	no charge
21-50	$0.12 each
51 or more	$0.25 each
Deposits/Credits	no charge