Checking Accounts

Assurance Checking

An account that provides added benefits with a low monthly service charge.

• IDProtect^® - Identity theft monitoring and resolution services^*4
• Cell Phone Protection^5*
• Debit Advantage^{® 5*}
• Travel and Leisure Discounts^*
• Online or paper statements
• Free Online Bill Pay⁶ (first 2 months)
• Minimum opening balance of $50.00
• Monthly Service Charge of $3.95

1. Debit Cards available to qualifying customers.
2. Other institutions may charge for ATM withdrawals.
3. lnternet or Mobile carrier fees may apply for data and text message usage.
4. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
6. Online Bill Pay- Must first enroll in Online Banking and activate Online Bill Pay before using LifeStore Mobile Banking App.
7. We will decline transactions when the account does not have sufficient funds to cover the charge. You could still end up with a negative balance. Accountholders will not incur overdraft or non- sufficient (NSF) fees, account activation fees or fees due to inactivity, dormancy or closure.
8. Special CD Rates does not apply to promotional rates.

^*Registration / Activation required

Simple Checking

Our basic checking account offers convenient checking without monthly service charges.

• Online or paper statements
• Free Online Bill Pay for first two months
• Minimum opening balance of $50.00
• No Monthly Service Charge

1. Debit Cards available to qualifying customers.
2. Other institutions may charge for ATM withdrawals.
3. lnternet or Mobile carrier fees may apply for data and text message usage.
4. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
6. Online Bill Pay- Must first enroll in Online Banking and activate Online Bill Pay before using LifeStore Mobile Banking App.
7. We will decline transactions when the account does not have sufficient funds to cover the charge. You could still end up with a negative balance. Accountholders will not incur overdraft or non- sufficient (NSF) fees, account activation fees or fees due to inactivity, dormancy or closure.
8. Special CD Rates does not apply to promotional rates.

^*Registration / Activation required

Summit Checking

An exclusive option for our most experienced customers, ages 55 years and up.

• Online or paper statements
• Free Online Bill Pay⁶
• Free small Safe Deposit Box (Subject to availability)
• Earns interest on daily balance
• Special CD Rates Available⁸
• For customers 55 years and up
• Minimum opening balance of $50.00
• Monthly Servce Charge of $10.00
  • Monthly Service Charge waived with: $750.00 minimum daily Summit balance

^*1.00% Annual Percentage Yield (“APY”) is effective as of . $750 minimum balance required to earn APY. $50 minimum opening balance is required to open the account. Interest is calculated and accrued daily based on the daily collected balance in the account. Interest rates are variable and subject to change without notice. Fees could reduce earnings.

1. Debit Cards available to qualifying customers.
2. Other institutions may charge for ATM withdrawals.
3. lnternet or Mobile carrier fees may apply for data and text message usage.
4. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
6. Online Bill Pay- Must first enroll in Online Banking and activate Online Bill Pay before using LifeStore Mobile Banking App.
7. We will decline transactions when the account does not have sufficient funds to cover the charge. You could still end up with a negative balance. Accountholders will not incur overdraft or non- sufficient (NSF) fees, account activation fees or fees due to inactivity, dormancy or closure.
8. Special CD Rates does not apply to promotional rates.

^*Registration / Activation required

Premier Checking

Get rewarded for a sound financial relationship with our Premier Checking account option.

• IDProtect^® - Identity theft monitoring and resolution service.^*4
• Online or paper statements
• Free Online Bill Pay
• Earns interest on daily balance
• Minimum opening balance of $100.00
• Monthly Service Charge of $15.00
  • Monthly service charge waived with:
    • $5,000 minimum daily Premier balance; or
    • $20,000 minimum combined checking and savings balance

1. Debit Cards available to qualifying customers.
2. Other institutions may charge for ATM withdrawals.
3. lnternet or Mobile carrier fees may apply for data and text message usage.
4. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
6. Online Bill Pay- Must first enroll in Online Banking and activate Online Bill Pay before using LifeStore Mobile Banking App.
7. We will decline transactions when the account does not have sufficient funds to cover the charge. You could still end up with a negative balance. Accountholders will not incur overdraft or non- sufficient (NSF) fees, account activation fees or fees due to inactivity, dormancy or closure.
8. Special CD Rates does not apply to promotional rates.

^*Registration / Activation required

Simple Checking

Our basic checking account offers convenient checking without monthly service charges.

• Minimum opening balance of $50.00
• No Monthly Service Charge
• Online or paper statements
• Free Online Bill Pay for first two months

1. Debit Cards available to qualifying customers.
2. Other institutions may charge for ATM withdrawals.
3. lnternet or Mobile carrier fees may apply for data and text message usage.
4. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
6. Online Bill Pay- Must first enroll in Online Banking and activate Online Bill Pay before using LifeStore Mobile Banking App.
7. We will decline transactions when the account does not have sufficient funds to cover the charge. You could still end up with a negative balance. Accountholders will not incur overdraft or non- sufficient (NSF) fees, account activation fees or fees due to inactivity, dormancy or closure.
8. Special CD Rates does not apply to promotional rates.

^*Registration / Activation required