Features of the Free Checking Account include no service charges, no per debit, per credit, or per item deposited charge and:

   • iBanking and iPay

   • Free 24-Hour Telephone Banking
   • Free VISA CheckCard (debit card) or ATM card
   • Unlimited checking and withdrawal privileges with no per check charge
   • Direct Deposit of payroll or benefit check is encouraged

   • $100 minimum opening balance

   • No minimum balance required to avoid service charge
   • Check Safekeeping

   • $300 Automatic Overdraft Privilege at the standard bank overdraft charge per item     Overdraft Privilege Policy

You may upgrade your Free Checking with Bonus Benefits for only $4.50 a month and receive:

   • Free Checks (one box per order, select styles only or 50% off of designer styles)

   • $5,000 Travel Accidental Death Insurance 1^

   • Payment Card Protection 2^

   • Personal Identity Protection 2

^Not a deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by the bank. May go down in value. 1 Insurance provided by National Union Fire Insurance Company. 2 Personal Identity Protection and Payment Card Protection provided by Member Headquarters.