|Personal||Non-Interest Checking Accounts||Interest Checking Accounts|
|Select this product if||You conduct only a few transactions on a monthly basis||You use the account for day to day transactions||You are 62 years or older using direct deposit services||You prefer to earn interest on checking account balances||You prefer to earn interest on account balances and wish to avoid paying a monthly service maintenance fee|
|Minimum opening balance||$25||$500||$100||$1,000||$2,000|
|Monthly service maintenance fee||None2||$10 plus $0.25 per debit transaction||None||$12 plus $0.25 per debit transaction||$15 plus $0.25 per debit transaction1|
|Balance Requirement to Avoid Monthly Service Maintenance Fee||None||$500||$100||$1,000||$2,000|
|Free Initial Paper Checks||✔|
|Visa Debit Card||✔||✔||✔||✔||✔|
1. Monthly maintenance fee is waived if you have a direct deposit of $500 or more per month, or make at least five (5) debit card purchases per month.
2. There is a $0.45 fee for each withdrawal after the tenth (10th) withdrawal in any statement cycle.