Checking   Free Checking Basic Checking E-Pay Checking Student Checking Now Checking GMM* Checking Minimum to Open None None $500 None $0 $500 Minimum Balance to Avoid Service Charge None $400 $500 None $750 $500 Transaction Limitations None 25 free debits per cycle 10 free paper debits None 25 free per cycle $1 per item over three per cycle Account Statements Monthly, checks safekept Monthly, imaging Monthly, checks safekept Monthly, imaging Monthly, imaging Quarterly, imaging Safety Check Line of Credit or Auto Transfer No Yes Yes Yes Yes No Extras ATM / Debit card available Fees waived for senior citizens (62) ATM / Debit fees waived Fees waived for students Interest credited monthly Interest credited monthly * Gold Money Market Checking  Free Checking No monthly service charge No minimum balance Unlimited check writing Monthly itemized statement Basic Checking Low-cost checking account that offers you a choice of minimum balances Minimum balance   - monthly service charge $400 and above    - None $300 to $399.99   - $2 $200 to $299.99   - $3 $100 to $199.99   - $4 Less than $99.99  - $5 25 free debit transactions per statement cycle Full-time students and senior citizens avoid service charges if you have notified us E-Pay Checking ATM / Debit cardholder fees and various transaction fees are waived Minimum balance of $500 to avoid maintenance fees. $500 average available balance in your checking or savings account on the last day of the statement cycle. ($5 charge below $500 average available balance). 10 free paper debits per statement cycle ($.15 for each debit over 10 per statement cycle) Statements mailed monthly with checks kept for safekeeping NOW Checking Earn competitive interest with the convenience of check writing Interest is compounded and credited monthly 25 free debit transactions per statement cycle ($.15 charge for each debit over 25. $.08 charge for each out of town check deposited over 10). Per check item charges waived with average balance of $5000 during statement cycle.) No maintenance fees on balances over $750 (Account balances below $750 will be charged a $5 maintenance fee) Gold Money Market Competitive interest rate Minimum balance of $500 (fee of $10 if account falls below $500) Interest is compounded and credited monthly Transfers are limited to 6 per month, and no more than 3 checks per month, minimum transfer amount is $250 Additional Services ATM/Debit card available to qualified account holders Touchtone Banker—24 hour telephone access to your account Safety Check—cash reserve overdraft protection (with approved credit) Automatic transfer from savings to checking to cover those unexpected overdrafts Internet Banking—access to your account (s) anytime, anywhere Direct deposit