O'Bannon Bank of Buffalo, Missouri 1-800-748-8151

NOW Account - Interest Checking

	Earn 0.50% APY*
	$7.00 monthly service charge (To avoid the fee, maintain an average daily balance of $500 or more)
	No minimum deposit to open account
	This account is FDIC-insured

Super NOW Account

	Earn 0.65% APY*
	$10.00 monthly service charge (To avoid the fee, maintain an average daily balance of $1000 or more)
	No minimum deposit to open account
	This account is FDIC-insured

These accounts also include:

	Free online banking and telephone banking
	Unlimited check writing privileges
	Check Card/ATM
	Monthly statements with imaged checks included
	Automatic Overdraft privilege, if approved

Checking Account Fees

Checks	Cost based on selection
Insufficient Funds/Overdraft	$25.00 per item
Returned Item Charge	$25.00 per item
Checkbook Reconcilement	$15.00 per hour
Stop Payment	$15.00 per order
Statements	$3.00 per copy

* APY = Annual Percentage Yield
The period used to calculate interest is monthly. We use the average daily balance method to calculate interest on your account.
At our discretion we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit non-cash items.
Fees may reduce earnings on account.

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