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Consumer Banking

Personal Checking Account
This account provides for maximum check writing with a minimum balance requirement.

Minimum balance

$200

• Monthly statement with check imaging.
• If the balance falls below $200 any day of the statement cycle a monthly service charge of $8.75.
• Checks returned in statement: $10.00.

Interest Checking
This account is a flexible, interest earning account.

Minimum balance

$500

$5,000

RATES

• Monthly statement with monthly interest and check imaging. You must maintain the minimum balance each day to receive the disclosed annual percentage yield.
  
• If the balance falls below $500 any day of the statement cycle a monthly service charge of $8.75 will be imposed.
• Checks returned in statement: $10.00.

Interest will be paid on the available daily balance. This balance is determined by subtracting float from the balance each day.

Student Checking
For a full time student 23 years of age and under.

Minimum balance	None
Number of free checks	10
Fee per check in excess	$.25

• Monthly statement with check imaging.

Money Market Account

Minimum Balance	$2,500
Number of checks allowed	3
Fee per check in excess	$2.00
Number of additional debits	3

RATES

• Monthly statement with check safekeeping and monthly interest. You must maintain the minimum balance each day to receive the disclosed annual percentage yield.
  
• If the balance falls below $2,500 any day of the statement cycle a monthly service of $8.75 will be imposed.

The Government Regulation that established Money Market Accounts allows only three checks per month to clear. Due to this regulation any checks presented in excess of three will be returned to the depositor "Refer To maker." A total of six withdrawals are allowed monthly of which three may be by check.

Interest will be paid on the available daily balance. This balance is determined by subtracting float from the balance each day.

Preferred Plus
For customers age 55 years and over.
Members receive:

• Free direct deposit of social security checks
  
• Free safe deposit box (standard size for 1 year-subject to availability)
  
• 50% discount of travelers' cheques services
  
• Identification card
  
• Retailers/professionals discounts

Preferred Plus Checking Account

Minimum Balance	None
Number of free checks	Unlimited

Preferred Plus Interest Checking Account

Minimum Balance	$300
Number of free checks	Unlimited

RATES

• Monthly statement with monthly interest and check imaging. You must maintain the minimum balance each day to receive the disclosed annual percentage yield.
  
• If the balance falls below $300 any day of the statement cycle a monthly service charge of $4.50 will be imposed.
• Checks returned in statement: $10.00.

Interest will be paid on the available daily balance. This balance is determined by subtracting float from the balance each day.

Savings Account

Minimum Balance	$100
Number of free withdrawals	9
Fee per withdrawal in excess	$2.00

RATES

• Quarterly interest payment on an itemized statement. You must maintain the minimum balance each day to receive the disclosed annual percentage yield.
  
• If the balance falls below $100 any day of the statement cycle a quarterly service charge of $5.50 will be imposed.

Interest will be calculated on daily basis.

Cash Force Savings Account
For customers age 21 years and under.

Minimum Balance	None
Number of free withdrawals	9
Fee per withdrawal in excess	$2.00

RATES
Interest will be calculated on daily basis.

Cash Force Activity Certificate of Deposit

Minimum Balance	$500
Term	3 Year
Number of Free Deposits	Unlimited

Call (630) 968-6301, ext. 500 for rates.