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TRUTH IN SAVINGS ACT
The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.
REGULAR SAVINGS
| Minimum Opening Balance | $100.00 |
| Balance required to avoid service charge | $100.00 |
| Interest Rate | See Rate Sheet |
| Annual Percentage Yield (APY) | See Rate Sheet |
| Interest Computation Method | Daily Balance * |
| Interest will be compounded | Semi-Annually |
| Interest credited | Semi-Annually |
| Deposited Check Return Charge | $2.00 per item |
| Additional Fees: Per Withdrawal | $2.00 |
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- Interest will not be paid if balance falls below $100.00.
- On non-cash items interest will begin to accrue on the next business day.
- If you close your account before interest is credited, you will not receive the accrued interest.
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
- Statement Period: Semi-annually
- * The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.
ADDITIONAL FEES & SERVICES
| Activity Printout of Account | $1.00 per page |
| ACH Stop payment | $22.00 |
| Balance of Account Inquiry | $1.00 |
| Legal Processes which affect your account (I.e., garnishments, citations, etc.) | $15.00 |
| Balancing of Account: Research & Reconciliation | $10.00 per hour |
| Transfer of Funds between interbank accounts | $2.00 each |
| Check Cashing (Noncustomer) | below $250.00 - $2.00 over $250.00 - $5.00 |
| Money Orders | $2.00 |
| Travelers Checks | $1.00 per $100.00 |
| Certified Check Fee | $5.00 |
| Wire Transfers (per item) | $10.00 - incoming $15.00 - outgoing |
| Collection Items | $5.00 plus external bank charges |
| Fax Machine | $3.00 1st page $1.00 per additional page |
SAFE DEPOSIT BOXES
FDIC DOES NOT INSURE SAFE DEPOSIT BOX CONTENTS
| 3x5 | $15.00 |
| 5x5 | $20.00 |
| 3x10 | $25.00 |
| 5x10 | $35.00 |
| 10x10 | $50.00 |
FDIC DOES NOT INSURE SAFE DEPOSIT BOX CONTENTS
