Regular Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$100
Minimum Balance Required During Statement Cycle:
$800 and Over	No Charge
$600 - $799.99	$2.00
$400 - $599.99	$3.00
$200 - $399.99	$4.00
$199.99 and Under	$5.00
Statement Period	Monthly
Fees and Charges	Refer to Fee Schedule

Senior Citizens 62 years and older are exempt from a monthly service charge and also get FREE personalized safety paper checks.

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Commercial Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$100
Minimum Balance Required During Statement Cycle	None
Statement Period	Monthly
First Order Safety Paper Checks	No Charge
Monthly Service Charge	$5.00
Fees and Charges	Refer to Fee Schedule

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Commercial Interest Checking

Current Rate Information

To obtain the current rate(s) and annual percentage yield information, please call your local branch.

Feature	Requirement/Charge
Minimum Initial Deposit	$100
Minimum Balance Required During Statement Cycle:
$2,000 and Over	No Charge
$1,999.99 and Under	$12.50
Minimum Balance Required to Earn Interest	$1,000
Statement Period	Monthly
Receipt of Statements:
Fees and Charges	Refer to Fee Schedule
e-Statements	No Charge
Postal Mail	$3.00

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Citizens Plus

Current Rate Information

To obtain the current rate(s) and annual percentage yield information, please call your local branch.

Feature	Requirement/Charge
Minimum Initial Deposit	$100.00
Minimum Balance Required During Statement Cycle	No Charge
Minimum Balance Required to Earn Interest	No Minimum
Statement Period	Monthly
Fees and Charges	Refer to Fee Schedule
VISA Debit Card	No Charge
Receipt of Statements
e-Statements	No Charge
Postal Mail	$3.00

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Student Account

Feature	Requirement/Charge
Minimum Initial Deposit	$50.00
Minimum Balance Required During Statement Cycle	No Charge
Statement Period	Monthly
First Order Safety Paper Checks	No Charge
Returned Item Fee / Overdraft Fee (each)	$12.00
Insufficient Funds Charge (Per Item)	$12.00
Stop Payment Charge (Per Item)	$20.00
Fees and Charges	Refer to Fee Schedule

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Defenders of Freedom

Eligibility Requirements

Available to Military Personnel (active or non-active), Veterans, Law Enforcement,
Fire Fighters and First Responders

Current Rate Information

To obtain the current rate(s) and annual percentage yield information, please call your local branch.

Feature	Requirement/Charge
Minimum Initial Deposit	No Minimum
Minimum Balance Required During Statement Cycle	No Charge
Minimum Balance Required to Earn Interest	No Minimum
Statement Period	Monthly
Fees and Charges	Refer to Fee Schedule
First order of wallet checks	No Charge
ATM/VISA Debit Card Holder Fee	No Charge
Cashier's Checks and Money Orders	No Charge
Notary Service	No Charge
Wire Transfer Fee	No Charge
Fax Service	No Charge
Bonus Rate on Certificate of Deposit	Upon Request
Safe Deposit Box Rental Fee	50% Discount (upon availability)

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