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Truth in Savings Disclosure
FREE CHECKING ACCOUNT
Minimum balance to open the account -You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees -No minimum balance is required.
Fees - No per item charges.
Additional Features:
- Automatic check safekeeping
- First order of 50 checks free
- One free check/deposit slip copy per month
ULTIMATE CHECKING ACCOUNT
Minimum balance to open the account -You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees -No minimum balance is required; however, there will be a service charge of $3.00 each statement cycle if more than ten debit transactions (withdrawal, check paid, automatic transfer, or payment out of this account) clear your account during a a statement cycle.
Fees -A per item fee of $.25 will be charged for each debit transaction in excess of ten during a statement cycle.
ULTIMATE 300 CHECKING ACCOUNT
Minimum balance to open the account -You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees -A service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.
Fees -A per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). This fee will apply if you do not maintain a minimum daily balance of $300.00 during the statement cycle.
ULTIMATE GOLD CHECKING ACCOUNT
(available to customers 60 years of age or older)
Rate Information -Your interest rate and annual percentage yield may change.
Frequency of rate changes -We may change the interest rate on your account at any time.
Determination of rate -At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle.
Minimum balance to open the account -You must deposit $25.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits -Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Fees-No per item charges.
Additional Features:
- No charge for personalized basic checks
- No charge for cashier's checks
- No charge for traveler's checks
- No charge for money orders
Fee is waived for small safe deposit box during the first year, and discounted thereafter, subject to availability.
ULTIMATE CHECKING ACCOUNT WITH INTEREST
Rate Information -Your interest rate and annual percentage yield may change.
Frequency of rate changes -We may change the interest rate on your account at any time.
Determination of rate -At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle.
Minimum balance to open the account -You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees -A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits-Interest begins to accrue on the first business day after the banking day you deposit - non-cash items (for example, checks).
Fees -A per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). This fee will apply if you do not maintain a minimum daily balance of $500.00 during the statement cycle.
RELATIONSHIP CHECKING ACCOUNT
Rate Information -Your interest rate and annual percentage yield may change.
Frequency of rate changes -We may change the interest rate on your account at any time.
Determination of rate -At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle.
Minimum balance to open the account -You must deposit $25.00 to open this account.
Minimum balance to avoid the imposition of fees -A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below an aggregate balance of $10,000.00 in other deposit and/or loan accounts with us any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits -Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Additional Features:
- No charge for personalized basic checks
- No charge for cashier's checks
- No charge for traveler's checks
- No charge for money orders
- Investment consultation
THRIFT SAVINGS ACCOUNT
Rate Information -Your interest rate and annual percentage yield may change.
Frequency of rate changes -We may change the interest rate on your account at any time.
Determination of rate -At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Minimum balance to open the account -You must deposit $15.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $15.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits -Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Transaction limitations -Transfers from a Thrift Savings account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
REGULAR SAVINGS ACCOUNT
Rate Information -Your interest rate and annual percentage yield may change.
Frequency of rate changes -We may change the interest rate on your account at any time.
Determination of rate -At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Minimum balance to open the account -You must deposit $15.00 to open this account.
Minimum balance to avoid imposition of fees -A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $15.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits -Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Transaction limitations - Transfers from a Regular Savings account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
MONEY MARKET SAVINGS ACCOUNT
Rate Information -Your interest rate and annual percentage yield may change.
Frequency of rate changes -We may change the interest rate on your account at any time.
Determination of rate -At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded every month. Interest will be credited you your account every month. Minimum balance to open the account -You must deposit $15.00 to open this account.
Minimum balance to avoid imposition of fees -A service charge fee of $10.00 will be imposed every month if the balance in the account falls below $1,000.00 any day of the month.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $15.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits -Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Transaction limitations -Transfers from a Money Market Savings account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
COMMON FEATURES
Please refer to our separate fee schedule for additional information about charges. We may require not less than seven days' notice in writing before each withdrawal from an interest-bearing checking account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
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