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Checking Accounts

Money Market Checking Account
The Money Market Checking Account is designed for depositors who are willing to deposit larger sums of money in order to obtain higher annual percentage yields. The account has different tiers of interest rates based on a daily balance and has a higher minimum balance requirement than a regular checking account or NOW account.

High Yield Money Market Checking Account
The High Yield Money Market Checking Account is designed for depositors who are willing to deposit larger sums of money in order to obtain higher annual percentage yields. The account has different tiers of interest rates that may be above the rate of our regular Money Market Checking Account.

NOW Account
The Negotiable Order of Withdrawal Account ("NOW") is designed for depositors who wish to earn interest on their transaction account. The account accrues interest daily and has a higher minimum balance requirement than a regular checking account.

NOW Non-Personal Account
The Negotiable Order of Withdrawal Account ("NOW") is designed for depositors who wish to earn interest on their transaction account. The account accrues interest daily and has a higher minimum balance requirement than a regular checking account. Corporations or partnerships may not obtain a NOW account.

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Savings Accounts

Savings Passbook Account
This is our traditional savings account that pays interest semiannually. You will receive a passbook that is to be presented each time you make a deposit or withdrawal. Our tellers will post all transactions in the passbook including semiannual interest and any applicable fees.

Statement Savings Account
This savings account is designed for customers who desire a monthly statement of their account activity and for those who conduct electronic transfer transactions with the account. This account receives a monthly statement that itemizes all account activity since the last statement cycle date. You are responsible for entering all transactions into your blue account register including monthly interest and fees and reconciling it to your monthly statement. Electronic transfers include, but are not limited to, direct deposit of Social Security benefits or payroll, automatic funds withdrawals of insurance premiums, or any ATM activity. Our policy for accepting electronic funds transfers is shown in our Electronic Funds Transfer Disclosure Statement.

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Additional Disclosures:

• Funds Availability Disclosure
• Electronic Funds Transfer Disclosure