BANKING SERVICES

PERSONAL CHECKING ACCOUNTS

CAREFREE CHECKING **Free Checking – our most popular**

-        No minimum balance

-        No monthly fee

-        Free check safekeeping

-        Minimum balance to open is $100.00

-        Free Check Card upon approval

WINNER CHECKING **For those who want some extra benefits**

-        No minimum balance

-        Free personal money orders & notary services

-        Includes accidental death insurance policy

-        2 boxes of free winner checks per year

-        Minimum balance to open is $100.00

-        Club fee of $8.00 per month for Single / $10.00 per month for Joint

-        Free Check Card upon approval

NOW ACCOUNT CHECKING **A flexible interest-earning checking account**

-        Interest earned monthly

-        Minimum balance to open is $1,000.00

-        No monthly fees if balance remains above $1,000.00

-        No limit on number of checks written each month

-        Free Check Card upon approval

MONEY MARKET CHECKING / PREMIUM MONEY MARKET CHECKING

-        A competitive tiered rate interest earning account

-        Minimum balance to open is $2,500.00 ($10,000.00 Premium)

-        No monthly fees if balance remains above $2,500.00

-        Limit of 6 transactions per month

STATEMENT SAVINGS ACCOUNT

-        Minimum balance to open is $100.00

-        No monthly fee if balance remains above $100.00

-        Limit of 6 withdrawals per month to avoid service charge

-        ATM Card access available

BUSINESS CHECKING ACCOUNTS (We treat our business customers right!)

REGULAR BUSINESS CHECKING

-        Minimum balance to open is $1,000.00

-        No monthly fees if balance remains above $1,000.00

-        Unlimited transactions

-        Available to Sole Proprietors, Corporations, Partnerships, & LLC’s

BUSINESS NOW CHECKING (Interest earning power for Sole Proprietors)

-     Interest earned monthly

-        Minimum balance to open is $2,000.00

-        No monthly fees if balance remains above $2,000.00

-        Unlimited transactions

CERTIFICATES OF DEPOSIT

-        CD’s available for 6 months, 1 year, 2 year, & 3 year terms

-        Highly competitive rates (Check Deposit Rate Schedule)

-        Minimum balances to open starting at $1,000.00

IRA ACCOUNTS

-        Traditional or ROTH IRA’s available

-        Minimum balance to open is $500.00

-        Variable & Fixed Rate accounts available

-        Very competitive rates (Check Deposit Rate Schedule)

HEALTH SAVINGS ACCOUNTS

-        Available to those with high deductible health insurance plans

-        Minimum balance to open is $100.00

-        Tiered interest rates for higher balances

OTHER BANKING SERVICES

-        Safe Deposit Boxes

-        24 Hour Online Banking

-        Night Depository at each office

-        Savings Bonds

-    Drive-up ATM access at all three locations

-    ATM / Debit Cards available

-    Farmers Exchange Bank VISA® Credit Cards Available