MVP Checking
• $100.00 minimum opening deposit
• No minimum balance requirements to avoid service charge
• No transaction limitations for
checks, debits, deposits or credits
• 24-hour access to account
information by phone or Internet
• $400.00 overdraft privilege
available
• No charge for network ATM transactions

Budget Checking
• $100.00 minimum opening deposit
• If average daily ledger
balance falls below $100.00 for the month, the service charge will be $4.00
• Check
imaging on monthly statement at no additional cost
• 24-hour
access to account information by phone or Internet
• $700.00 overdraft
privilege available
• Fees include:
Checks/Debits
10 or less checks or debits per cycle - No charge
11 or more checks
or debits per cycle - $0.50 each
Deposits/Credits - No charge
Network ATM transactions - No charge


Regular Checking
• $100.00 minimum opening deposit
• If average daily ledger
balance falls below $750.00 for the month, the service charge will be
$5.00
• No transaction
limitations for checks, debits, deposits or credits
• Check
imaging on monthly statement at no additional cost
• 24-hour
access to account information by phone or Internet
• $700.00 overdraft
privilege available
• No charge for network ATM transactions

NOW Account
• $100.00 minimum opening deposit
• If
average daily ledger balance falls below $1,000.00 for the month, the
service charge will be $7.50
• Variable interest paid on
principal balance, interest calculated daily, compounded and credited
monthly
• No
transaction limitations for checks, debits, deposits or credits
• Check imaging on monthly statement at no additional
cost
• 24-hour access to account information by phone or Internet
• $700.00
overdraft privilege available
• No charge for network ATM transactions
Work Plus Checking Account
• $100.00
minimum opening deposit
• No
transaction limitation for Checks/Debits or Deposits/Credits
• No charge for network ATM transactions
• Free
check imaging on monthly statement
• Free
money orders
• Free Official
checks
• Free travelers checks
• First
box of New Frontier checks free (box = 200 checks)
• 50%
discount for first year on safe deposit box
• Free
financial plan by Financial Planner
• No charge for 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
• First box of New Frontier Bank checks free per
year (box = 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 these added incentives
• Free money orders
• Free Official checks
• Free travelers checks
• Free New Frontier Bank checks
• Free Notary Service
• Free copies and faxes