A regular savings account is a financial staple for all banking customers - providing an affordable account for long and short-term personal savings.

• A minimum deposit of $100.00 is required to open the account.
• There is a monthly Account Maintenance Fee of $3.00

Monthly Account Maintenance Fee is waived if during the Monthly Statement Cycle period you meet one of the following:

• $300.00 or more Minimum Current Balance, or
• $1,000.00 or more Average Available Balance.
• Persons under 18 years of age with a minimum current balance under $300.00 will not be charged a monthly account maintenance fee.

Added Benefits Include:

• The current interest rates are:
  
  

  Interest Rate APY 1.01 1.01

  
  
  Rates and Annual Percentage Yields (APY) are current
  as of 11/18/2008
  
  Rates Subject to Change Without Notice

• Interest calculation - The daily balance method is used to calculate the interest on the account. The minimum daily balance required to receive interest on this account is $300.00 ($1.00 for persons under age 18)

Other Features

• Unlimited deposits and three (3) withdrawals per month are allowed at no charge. The transaction fee for each withdrawal over this limit will be $1.00 per withdrawal or transfer. This excess withdrawal fee is waived if an average available balance of $2,500.00 or more is maintained in the account during the monthly statement cycle period.
• Transaction Limitations - In accordance with Federal regulations, this account is limited monthly to no more than six pre-authorized, automatic or telephone transfers (to a third party or to another account of yours), and of the six, if applicable, no more than three can be by check, draft or debit card payment to a third party. If monthly transactions exceed this legal limit, a charge of $10.00 will be imposed for each excess transaction and the account will be subject to closure pursuant to Federal regulations.
• Fees could reduce earnings on the account.