Online Banking

Premium interest is yours by choosing the convenience
and "green" features of this electronic-based account.
Minimum deposit to open account: $100

Account Details

•  Premium rates earned on balances up to $25,000 by meeting the following requirements:

– Monthly e-Statement for account    – At least one ACH debit or credit transaction/mo    – 10 signed debit card transactions/mo      Signed transactions are ones in which a PIN is not entered. Online transactions are considered signed.

•  10 free non-DCB ATM fees per month (ATM machines we do not own)

•  $500 minimum daily balance or $1,000 average monthly balance waives $10 monthly fee

•  $1000 ID Theft Protection - Includes reimbursement of qualified direct costs associated with reporting ID theft    and recoving your identity*

* This is not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank, and it is not insured by the FDIC or any other agency of the U.S.

Current Rates

$0 - $25,000 (if requirements met)	Interest Rate: 1.05%	Annual Percentage Yield: 1.05%
$25,000 and over	Interest Rate: 0.05%	Annual Percentage Yield: 0.05%
Annual Percentage Yield (APY) effective as of today's date. Fees may reduce earnings; see TIS Disclosure below for more information.

Additional Features

Online Banking and Bill Pay	Mobile Banking	Visa Check Card or ATM Card
e-Statements	FinanceWorks	Reduced Personal Loan Interest Rates*
* Payments must be auto-debited from Douglas County Bank account. Real estate-related loans excluded.

Access Checking Truth-in-Savings (TIS) Disclosure

Rate Information

This Account is an interest bearing account. The interest rate on the account is 0.05% with an annual percentage yield of 0.05% . The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash 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.

Bonuses: You will receive A PREMIUM INTEREST RATE OF 1.00% as a bonus interest rate RESULTING IN AN INTEREST RATE OF 1.05% WITH AN APY OF 1.05% IF CERTAIN CRITERIA ARE MET. TO EARN THIS INTEREST RATE YOU MUST DO EACH OF THE FOLLOWING DURING EACH MONTHLY STATEMENT CYCLE: BE REGISTERED FOR ONLINE BANKING, BE REGISTERED FOR E-STATEMENTS, HAVE A MINIMUM OF ONE (1) ACH DIRECT DEPOSIT OR ONE (1) ACH WITHDRAWAL, AND A MINIMUM OF TEN (10) SIGNED DEBIT CARD TRANSACTIONS. THIS INTEREST RATE WILL BE EARNED ON ALL BALANCES OF $.01 TO $25,000.00 WHEN THESE CRITERIA HAVE BEEN MET. ANY BALANCES OVER 25,000.00 WILL EARN A RATE OF 0.05% WITH AN APY OF 0.05% . THE INTEREST RATE AND ANNUAL PERCENTAGE YIELD MAY CHANGE. AT OUR DISCRETION, WE MAY CHANGE THE INTEREST RATE ON THE ACCOUNT DAILY.

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. We will use an interest accrual basis of 365 for each day in the year. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations

You must deposit $100.00 to open this account.

Account Fees

To avoid a monthly fee of $10.00 you must maintain a daily minimum balance of $500.00 or a minimum average balance of $1,000.00 per statement cycle.

Schedule of Fees and Charges

Automatic Overdraft Transfer	$5
Closing an Account (0-90 days)	$25
Overdraft Fee*	$30
Return Item Fee	$30
Stop Payment (Per Item)	$30
Returned Deposited Item	$5
Statement of Account - Instant	$1
Statement of Account - Duplicate	$3
Statement of Account - Special	$5
Dormant Account Fee	$10

*Overdraft Fee may be caused by check, in-person withdrawal, ATM withdrawal (only applies if you have opt'd in), everyday debit card transactions (only applies if you have opt'd in), or other electronic means.