Disclosure of Account Terms and Fees

CLASSIC CHECKING

For customers who want unlimited check writing.

For customers who prefer debit card purchases and no minimum balance. Requires use of online banking and paperless statements.

MINIMUM OPENING DEPOSIT: $100.00
MINIMUM DAILY BALANCE: None
MONTHLY SERVICE CHARGE: $3.00
WAIVED SERVICE CHARGE IF: 10 Point-of-sale debit card posted/month, less than 20 checks posted/month, and maintain eStatement enrollment
BENEFITS: CYBERSCOUT identity theft protection, cell phone protection, lux benefits - shopping, travel and entertainment discounts, and lux benefits mobile app
Debit Card Issue/Reissue Fee: $5.00 every 2 years
Detailed monthly statement with images

For customers who want unlimited check writing and extra services.

MINIMUM OPENING DEPOSIT: $100.00
MINIMUM DAILY BALANCE: None
MONTHLY SERVICE CHARGE: $7.00
BENEFITS: $20,000 accidental death insurance, CYBERSCOUT identity theft protection, cell phone protection, roadside assistance, lux benefits – shopping, travel and entertainment discounts, lux benefits mobile app
Free debit/ATM card
Free personalized checks
Free cashier's checks and money orders, limits apply
Detailed monthly statement with images

For customers who want the convenience of a checking account while earning interest.

A Health Savings Account designed for customers with high deductible health plans.

A checking account designed specifically for business customers.

MINIMUM OPENING DEPOSIT: $100.00
MINIMUM DAILY BALANCE: $500.00
MONTHLY SERVICE CHARGE: $8.00, if below minimum daily balance
EXCESSIVE ITEM CHARGE: $0.25/each after 500/ month
Up to 500 items processed free per month, including deposits, items deposited, checks written
First debit/ATM card free; $5.00 every 2 years for all additional cards
Detailed monthly statement with images

A checking account designed for sole proprietors and small business cusomters.

MINIMUM OPENING DEPOSIT: $100.00
MINIMUM DAILY BALANCE: $300.00
MONTHLY SERVICE CHARGE: $5.00, if below minimum daily balance
EXCESSIVE ITEM CHARGE: $0.15/each after 75 debits
Up to 75 debits processed free per month, including checks written, ACH, and debit card transactions
Free debit/ATM card
Detailed monthly statement with images

A limited transaction account for customers who want a higher rate of interest.

MINIMUM OPENING DEPOSIT: $1,000.00
MINIMUM DAILY BALANCE: $1,000.00
MONTHLY SERVICE CHARGE: $6.00 if below minimum daily balance
EXCESSIVE ITEM CHARGE: $1.00/ each after 6/month
MINIMUM BALANCE TO EARN INTEREST: $1,000.00
Variable interest rate, with tiered interest for greater earnings on higher balances
Interest compounded and credited monthly
Detailed monthly statement with images

For customers who make few withdrawals and want to earn interest.

For customers who want to save for the holidays.

MINIMUM OPENING DEPOSIT: $25.00
MINIMUM DAILY BALANCE: None
QUARTERLY SERVICE CHARGE: None
PAPER STATEMENT FEE: $3.00/statement, waived with eStatement enrollment
EARLY WITHDRAWAL FEE: $5.00, for withdrawal made between Feb. 1st and October 31st
Withdrawals made between February 1st and October 31st will result in the account being closed
Variable interest rate
Interest compounded and credited quarterly
Detailed quarterly statement
Balance of account paid to you automatically on November 1 of each year
Requires a deposit by January 31 of year following balance transfer in order to remain open