Enjoy the special extras that make the hometown difference
with our Advantage Checking Banclub Account.

Regular Checking Service Charges
Personal Checking Accounts Minumum Balance Required to Open an Account is $200.00
Balance below $700.00	$8.00
Balance $700.00 or more	No Charge
Seniors (age 60 or more), Students (up to age 25) , Ministers and non-profit organizations	No Charge
Business Checking Accounts
Minumum Balance Required to Open an Account is $200.00
Monthly Maintenance Fee on All Accounts	$5.00
PLUS  If your balance is:  $2,000.00 - $2,499.99                                                                             $15.00 $1,500.00 - $1,999.99                                                                             $17.00 $1,000.00 - $1,499.99                                                                             $19.00 if your balance falls below  $1,000.00  you will be charged $20.00
C. Advantage Club Checking
Minumum Balance Required to Open an Account is $200.00
Plan A ($10,000.00 Accidental Death & Dismemberment Insurance)	$10.00
Plan B ($20,000.00 Accidental Death and Dismemberment Insurance ) Plan C ($30,000.00 Accidental Death and Dismemberment Insurance plus $1,500 for each child.)	$11.00 $12.00
If your balance remains above $1,000 during the statement period, your monthly service charge will be discounted $3.00. D. Advantage Plus Club Checking (For Customers 60 years or more)
Minumum Balance Required to Open an Account is $200.00. (Insurance coverage same as Advantage Club Checking.) Plan A         $6.00 Plan B         $7.00 Plan C         $8.00
Interest Bearing Checking Service Charges
Now Accounts (Partnerships and Corporations do not qualify for Now Accounts.) Minimum Balance Required to Open an Account is $1,500.00 Service Charge: If balance is $1,000 to $1,500................$10.00 If balance falls below $1,000...................$12.00
C. Money Market Deposit Account Minimum Balance Required to Open an Account is $2,500.00
If balance falls below $2,500.00: NOW Account rates and Services Charges Apply.
If more than six pre-authorized withdrawals, automatic transfers, or telephone transfers are made in one statement period , you will be charged a service charge of:	$15.00
Interest Bearing Checking Accounts Interst Rates The Annual Percentage Yield Is Accurate as of  03/14/2011 "Interest Rate" means the annual percentage rate of interest paid which does not reflect compounding "APY" (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.