Six (6) transfers per four (4) week period (3 of these may be made by check, draft, or debit card)
	Unlimited transfers if made in person, by messenger, by mail or at ATM
	$10.00 monthly service charge (To avoid the fee, maintain an average daily balance of $1000 or more)
	$5.00 excess transaction fee if over stated limit of six
	No minimum to open account
	This account is FDIC-insured

This account also includes:

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

* 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.
Disclosure provided when account is opened. Fees may reduce earnings on account.