Open Savings Account

              Savings^ iMoneyMarket Plus^ Money Market^ Moola Moola Kids’ Club* Super Savings
Minimum Balance to Avoid Monthly Fee $100.00 $10,000.00 $25,000.00 None $5,000.00
Monthly Fee if Minimum Balance is not Maintained $3.00 $20.00 $30.00 None $10.00
Earns Interest Competitive Market Rate Tiered Variable Rates:
$0 - $49,999.99;
$50,000.00 - $99,999.99;
Tiered Variable Rates:
$0 - $24,999.99;
Competitive Market Rate Competitive Market Rate
Companion Checking Recommended for easy money management Required Recommended for easy money management None
Recommended for easy money management
Consumer Internet Banking Access X X X X X
24-hour Telephone Banking Access X X X X X
Minimum to Open $10.00 $100.00 $100.00 $10.00 $10.00
Use for Overdraft Protection X X X   X
*For children 14 and under only.  "Moola Moola and the Money Minders" is a product of Bankers Systems, Inc., 1983

^A minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below minimum. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening. Statements may be received on either a quarterly or monthly basis depending on the type of activity in your account. Your statement cycle will be used to determine if your account meets minimum balance requirements even though you may not receive a monthly statement.