NOW Account Disclosure

Rate Information - The Interest Rate on our account is .050% with an Annual Percentage Yield of .05%.  At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time.

Compounding Frequency - Interest will be compounded monthly.

Crediting Frequency - Interest will be credited into this account monthly.

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

Minimum Balance  - $175.00 minimum balance to open the account.  There is a $5.00 service charge if the daily balance falls below the $175.00 minimum any day of the statement cycle.  Also, you will be charged $0.15 service charge  debit/charge for each debit if the daily balance falls below the $175.00 minimum any day during the statement cycle.

Deposit Limitations - You may make an unlimited number of deposits into your account.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

In the event your account becomes overdrawn, your checks may be returned.  A $26.00 overdraft/nsf charge per item will be assessed with a daily maximum of $104.00.

A consecutive Overdraft Charge of $6.00 (after 5 consecutive business days overdrawn).  Fee continues every consecutive business day the account is overdrawn.

Check Printing Fees may vary

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations