Statement Savings

• Interest bearing.
• $100.00 minimum daily balance requirement.
• Accessible in person or via ATM (24/7), toll-free phone bank (24/7) and Internet banking (24/7).
• Quarterly statement of account activity.
• Automatic transfer options available (call for details).
• Direct deposit and “bank-by-mail” services available.
• FDIC insured.
• Minimum opening deposit required is $100.00.

Christmas Club Savings

• Interest bearing.  
• No withdrawals permitted prior to maturity date and a penalty is assessed for early account closure (call for details).
• FDIC insured.
• Minimum opening deposit required is $5.00.

Money Plus/Money Market Savings

• Interest bearing (rates tiered based on average daily balance).
• $1,000.00 minimum daily balance requirement.
• Accessible via check, ATM (24/7), debit card (24/7), toll-free phone bank (24/7) and Internet banking (24/7) - certain transaction limitations may apply.
• Monthly statement of account activity with free check safekeeping.
• Automatic transfer options available (call for details).
• Direct deposit and “bank-by-mail” services available.
• FDIC insured.
• Minimum opening deposit required is $1,000.00.

Premium Investment Savings

• Interest bearing - interest rates tiered based on average daily balance (call for current rates).
• $25,000.00 minimum daily balance requirement.
• Accessible via check, ATM (24/7), debit card (24/7), toll-free phone bank (24/7) and Internet banking (24/7) – certain transaction limitations may apply.
• Monthly statement of account activity.
• Automatic transfer options available for convenience-limitations apply.
• Direct deposit and “bank-by-mail” services available.
• FDIC insured.
• Minimum opening deposit required is $25,000.00.

Health Savings Accounts (HSA)

• Interest bearing (call for current rates) – interest rates tiered based on average daily balance.
• $500.00 minimum daily balance requirement.
• Tax-advantaged account (see accountant for details).
• FDIC insured.
• Minimum opening deposit required is $100.00.

HSA’s were created by congress with passage of the Medicare Prescription Drug & Modernization Act of 2003 and allow for tax-deductible contributions. If withdrawals are used for qualified medical expenses, then distributions are tax-free. There are no limits on the total number of HSA’s that may be established and participants need not be self-employed or employed by small employers to qualify.

Rev. 04/02/09