Checking Accounts

	Regular	Freedom	Advantage	55 on the Go	Money Market
Amount to Open	$100	n/a	n/a	$100	$2,500
Balance to Maintain to Avoid Service Charge	$250	na/	$500	$100	$2,500
Interest	n/a	n/a	See current rate schedule	See current rate schedule	See current rate schedule
Monthly Service Charge	$5.00 if below minimum	n/a	$5.00 if below minimum	$2.00 if below minimum	$10.00 if below minimum
Statement	monthly	monthly	monthly	monthly	monthly
Phone Banking	free	free	free	free	free
Internet Banking	Available, application required	Available, application required	Available, application required	Available, application required	Available, application required
Debit / ATM Cards	Available, application required	Available, application required	Available, application required	Available, application required	n/a
Limitations	n/a	Internet Banking required	n/a	Must be 55 years or older to qualify	Limited to 6 transactions per month

Regular Checking

Unlimited check writing
No service with a minimum balance of $250
Only $5.00 monthly charge if minimum balance falls below $250 (waived for student accounts)
Minimum balance to open account $100
Available as a Business or Personal Account

Freedom Checking

Unlimited check writing
No minimum balance required
Internet Banking required
Freedom Savings account with a premium interest rate is available. (subject to passbook savings terms below)

Advantage Checking

Competitive interest rate
Unlimited check writing
Minimum balance to open account $100
No monthly service charge with a minimum balance of $500.00
Monthly service charge of $5.00 if minimum falls below $500.00
Available as a Business or Personal Account

55 on the Go

Competitive interest rate
Unlimited check writing
No monthly service charge with a minimum balance of $100.00
Monthly service charge of $2.00 if minimum falls below $100.00
Available to customers 55 years of age and older
Hometown Banking Benefits package below at no charge

Health Savings Accounts

Competitive interest rate
Unlimited check writing
Minimum balance to open $50
$25 account set up fee with a $2 monthly service charge

Money Market

Interest paid on balance with tiered rates for larger balances
Third party checks are limited to 6 per month
No monthly service charge with a minimum balance of $2,500
Monthly service charge of $10 if minimum falls below $2,500
Minimum balance to open account $2,500

All Accounts Can Receive Hometown Banking Benefits For An Additional $5.00 Per Month. Hometown Customers Receive The Following Services And Discounts:

Safety paper checks – no charge
All other checks – $10 off each box
License sticker fee waived
Cashier’s Checks and Money Orders are no charge
Medallion Signature Guarantee – $5 discount
Fax service and photocopies – no charge
Bonus rates on C.D.s
Preferred rates on installment loans with auto pay
Safe Deposit Box discount – $10 per year

Deposit Account Disclosures

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

Your interest rate and APY may change at our discretion at any time.

Interest begins to accrue on the first business day after the banking day you deposit non-cash items.

Interest is compounded monthly and credited the last day of each statement cycle.