Regular Savings
• $100.00 minimum opening deposit
• If average daily ledger balance falls below $200.00 for the month, the service charge will be $4.00
• Variable interest paid on principal balance, interest calculated daily, compounded and credited quarterly
• 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
  (Excessive withdrawals - $10.00 each)
• No charge for network ATM transactions
• 24-hour access to account information by phone or Internet



Minor Savings Account —account holders must be less than 18 years old.
• No average daily balance required
• No ATM card will be issued
• Upon 18th birthday, account will convert to a Regular Savings Account and will be subject
to the terms of that account



Money Market
• $100.00 minimum opening deposit
• If average daily ledger balance falls below $2,500.00 for the month, the service charge will be $10.00
• Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
• Check imaging on monthly statement at no additional cost  
• Limit of six preauthorized transfers each statement cycle, including payments by check to third parties.
  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. (Excessive withdrawals - $10.00 each)
• 24-hour access to account information by phone or Internet 
• No charge for deposits/credits or network ATM transactions



All–Star Account
• This product is a package of a Regular Checking and Regular Savings account
• $200.00 minimum opening deposit ($100.00 per account)
• If combined average daily ledger balance falls below $1,000.00 for the month, a service charge of
  $5.00 will only be assessed against the Regular Checking account
• Check imaging on monthly combined statement at no additional cost
• 24-hour access to account information by phone or Internet
• First box of New Frontier Bank checks free (box = 200 checks)
• $700.00 overdraft privilege available

Please refer to the Regular Checking and Regular Savings accounts for transaction fees and limitations.



Team Account
• This product is a package of a NOW and Money Market Account
• $200.00 minimum opening deposit ($100.00 per account)
• If combined average daily ledger balance falls below $2,500.00 for the month, a service charge of
  $7.50 will only be assessed against the NOW account
• Check imaging on monthly combined statement at no additional cost
• 24-hour access to account information by phone or Internet
• One order of New Frontier Bank checks free per year (one order=200 checks)
• 50% discount on safe deposit box
• Five or more basis point premium on monthly CD specials
• $700.00 overdraft privilege available



Hall of Fame Account
• Account holders must be 55 or older
• This account has the same features as the Team Account listed above, plus a few added incentives
• Free money orders
• Free Official checks
• Free travelers checks
• Free New Frontier Bank checks
• Free Notary Service
• Free copies and faxes