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Personal Checking

SCOT FREE ACCOUNT

THIS IS A SPECIAL CHECKING ACCOUNT THAT FEATURES NO SERVICE CHARGES.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A SERVICE CHARGE OF $5.00 WILL BE CHARGED IF YOU WISH TO PICK UP YOUR CANCELLED CHECKS, OR IF YOU WISH YOUR CHECKS TO BE MAILED THERE WILL BE A SERVICE CHARGE OF $6.00.

HOMETOWN CHECKING

THIS ACCOUNT FEATURES NO SERVICE CHARGE, FREE WALLET CHECKS, A $10,000.00 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE POLICY PLUS MUCH MORE.

Limitations: You must deposit $100.00 to open this account.

Account Fees: PLAN 1=$7.00, PLAN 2=$8.00, PLAN 3= $9.00 (IF OVER AGE 55 FEE IS REDUCED BY 50%).

GOLDEN ADVANTAGE CHECKING

THIS ACCOUNT FEATURES: FREE CHECKS; INFORMATION AND SPECIALS ON TRAVEL; $100,000.00 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE POLICY AND MUCH MORE.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $500.00 to open this account.

Account Fees: IF YOUR BALANCE FALLS BELOW $500.00 ON ANY DAY IN THE MONTHLY STATEMENT CYCLE WE WILL IMPOSE A MONTHLY SERVICE CHARGE OF $5.00 ONCE DURING THE STATMENT CYCLE.

NOW ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1,000.00 to open this account.

Account Fees: A MONTHLY SERVICE CHARGE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE IN THE ACCOUNT FALLS BELOW $1,000.00 ANY DAY OF THE CYCLE.

SUPER NOW ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $7,500.00 to open this account.

Account Fees: A MONTHLY SERVICE CHARGE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE IN THE ACCOUNT FALLS BELOW $7,500.00 ANY DAY OF THE CYCLE.

REGULAR CHECKING ACCOUNT

Limitations: You must deposit $100.00 to open this account.

Account Fees: IF YOUR BALANCE FALLS BELOW $500.00 ON ANY DAY IN THE MONTHLY STATEMENT CYCLE WE WILL IMPOSE A MONTHLY SERVICE CHARGE OF $5.00 ONCE DURING THE STATMENT CYCLE.

Member FDIC
Equal Housing Lender