Regular Checking Account, Peoples Gold/Peoples Gold XL Account Now Account, Super Now Accounts, Money Market Account

Minimum balance to open the account- You must deposit $50.00 to open this account.

Minimum balance to avoid imposition of fees-A service charge fee of $3.50 will be imposed every statement cycle if the balance in the account falls below $750.00 any day of the cycle. This fee will not be imposed if you maintain an average daily balance during the statement cycle of $1500.00.

A per item fee of $.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will not apply to students, customers age 62 or older, or non-profit organizations.

Rate information- Your interest rate and annual percentage yield may change. Frequency of rate changes – we may change the interest rate on your account every week.

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 to your account every month.

Effect of closing an account – If you choose to close an account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account – You must deposit $50.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed – you must maintain a minimum balance of $250.00 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 the interest on the non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

A service charge of $6.00 (Gold Basic), $8.00 (gold Family), or $4.00 (Gold XL-50 and older) will be charged each statement cycle depending on the amount insurance coverage obtained.

Now Account

Rate information – Your interest rate and annual percentage yield may change. Frequency of rate change – we may change the interest rate on your account every week.

Determination of rate – at our discretion, we may change the rate on your account.

Compounding and crediting frequency – Interest will be compounded every month, interest will be credited to your account every month.

Effect of closing an account – If you choose to close an account before interest is credited, you will not receive the accrued interest

Minimum balance to open the account – You must deposit $1000.00 to open this account.

Minimum balance to avoid imposition of fees – a service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1000.00 any day of the cycle. This fee will not be imposed if you maintain an average daily balance during the statement cycle of $1500.00.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of  $1000.00 in the account each day to obtain the disclosed annual percentage yield.

Accrual of the interest on the non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Fees:

A per item fee of $.10 will be charged for each debit transaction in excess of 30 during a statement cycle. This fee will not apply if the minimum balance requirements are met.

Rate information – Your interest rate and annual percentage yield may change. Frequency of rate change – we may change the interest rate on your account every week.

Determination of rate – at our discretion, we may change the rate on your account.

Compounding and crediting frequency – Interest will be compounded every month, interest will be credited to your account every month.

Effect of closing an account – If you choose to close an account before interest is credited, you will not receive the accrued interest

Minimum balance to open the account – You must deposit $1500.00 to open this account.

Minimum balance to avoid imposition of fees – a service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the cycle. This fee will not be imposed if you maintain an average daily balance during the statement cycle of $6000.00.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1500.00 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 the interest on the non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Fees:

A per item fee of $.10 will be charged for each debit transaction in excess of 30 during a statement cycle. This fee will not apply if the minimum balance requirements are met.

Rate information – Your interest rate and annual percentage yield may change. Frequency of rate change – we may change the interest rate on your account every week.

Determination of rate – at our discretion, we may change the rate on your account.

Compounding and crediting frequency – Interest will be compounded every month, interest will be credited to your account every month.

Effect of closing an account – If you choose to close an account before interest is credited, you will not receive the accrued interest

Minimum balance to open the account – You must deposit $2500.00 to open this account.

Minimum balance to avoid imposition of fees – a service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $2500.00 any day of the cycle. This fee will not be imposed if you maintain an average daily balance during the statement cycle of $10000.00.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2500.00 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 the interest on the non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transfers from a money market account to another account or to a third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.