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Truth-in-Savings Free Checking |
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TRUTH-IN-SAVINGS DISCLOSURE
Free Checking Account
Interest Rate
This account will not earn or be paid interest.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $100.
Transaction Limitations
There are no transaction limitations on this account.
Additional Fees and Terms
Style and quantity will vary cost of checks, deposit slips and withdrawal forms.
Balance Computation Methods
The daily balance method applies a periodic rate to the full amount of principle in the account each day.
The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principle in the account for each day of the period and dividing that figure by the number of days in the period.
Schedule of Fees and Charges
| ATM Star Withdrawal | $1 |
| ATM Cirrus Withdrawal | $1 |
| ATM Star/Cirrus Balance Inquiry | $1 |
| ATM Star/Cirrus Transfer | $1 |
| ATM & Visa Check Card PIN Reorder | $3 |
| ATM & Visa Check Card Replacement | $5 |
| Automatic Funds Transfer | $2 |
| Bill Payment (Each) | $5 |
| Closing an Account (0-90 days) | $10 |
| Copies of Safekeeping Items | $2 |
| Overdrafts (Per Item) | $30 |
| Insufficient Funds (Per Item) | $30 |
| Returned Deposited Item | $3 |
| Annual Debit Card Fee | FREE |
| Stop Payment (Per Item) | $30 |
| Statement of Account — Instant | $1 |
| Statement of Account — Duplicate | $3 |
| Statement of Account — Special | $5 |
MICR encoded checks and deposits not purchased through the bank must be properly encoded. If the document does not meet the required standards, a handling charge of $1 per item may be assessed to re-encode the documents.
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. Equal Housing Lender. 