Basic Checking

• No monthly maintenance charges.

• No per check charges.

• No minimum balance is required.

• First box of checks is free.

• $1.00 is required to open the account.

• Checks are returned with the statement.

Interest Bearing Checking

• $1,000 minimum balance to open account.

• If the balance falls below $1,000, a $3.00 maintenance charge and a $0.10 per item charge is assessed.

• If the balance falls below $1,000, interest will not be paid for those days.

• Rates for interest bearing checking are subject to change daily.

• Checks are returned with the statement.

• Available to individuals, sole proprietorships, governmental units, pension funds, escrow accounts, funds held in trust, non-profit organizations, or other accounts if the entire beneficial interest is held by an entity eligible to maintain a NOW account directly.

• Interest is calculated on the Daily Balance Method.

Business Checking

• An average balance of $500 is required to avoid maintenance and debit charges.

• If the average balance falls below $500, a $3.00 maintenance charge and $0.10 per debit will be charged.

• $1.00 is required to open the account.

• Checks are returned with the statement.

Contact Bank Personnel for additional requirements, fees, restrictions, or rates at 406-765-2800 or 800-368-2808.