Regular NOW

• You must deposit $500.00 to open this account.

• Interest will be credited to your account every month.

• If you close your account before interest is credited, you will not receive the accrued interest.

• A maintenance charge of $8.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

• Interest will be compounded daily. We use the daily balance method to calculate interest on your account. This method applies a periodic rate to the principal in the account each day.

• Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

• A per check fee of $.35 will be charged every statement cycle for each debit transaction if the balance in the account falls below $500.00 any day of the cycle.

• An EFT/ATM withdrawal, ACH debit fee of $.25 will be charged every statement cycle for each debit transaction if the balance in the account falls below $500.00 any day of the cycle.