• No minimum to open the account
• Earns a credit based on average collected balances that is applied to reduce fees
• No minimum balance
• ATM card available ($1.00 charge per card per statement cycle)
• Internet banking available

• May avoid service charges if a sufficient balance is maintained
• ATM card provides convenient 24 hour access to account at many locations

Check Charges:  $.15 per debit

Deposit Charges:  $.08 per check deposited drawn on an out of town bank

Earnings Credit:  Calculated by applying the NOW account rate to the average collected balance for the monthly statement cycle.