Consumer Product Information

Service Charge Frequency

Service charges imposed for below-minimum balances will be applied once per calendar month on Prosperity-Plus Savings or once per statement period on all other accounts if the account falls below the minimum balance on any day of the period.

Rate Information

The annual percentage yields and interest rates on Checking-With-Interest, Savings, Prosperity-Plus Savings and Individual Retirement Savings Accounts are subject to change at our discretion at any time.

Interest Calculation, Accrual, Compounding and Crediting

Interest on Checking-With-Interest, Savings, Prosperity-Plus Savings, Individual Retirement Savings and Club Accounts is calculated using the daily balance method, applying a daily periodic rate to the principal in the account each day.

Interest begins to accrue on the business day we receive credit for the deposit of non-cash items (for example, checks).

Interest is compounded and credited every month except for Club Accounts on which interest is not compounded and is credited to accounts annually.

Effect of Closing Accounts

If you close your Checking-With-Interest, Prosperity-Plus Savings, Individual Retirement Savings or Club Account before interest is credited, you will not receive the accrued interest.

Transaction Limitations

On Money Market Investment or Savings Accounts: By federal regulation, transfers to another account or to third parties by pre-authorized, automatic, telephone, computer or by check, draft, debit card, or similar order are limited to six per statement period. Transactions conducted in person and by automatic teller machine (ATM) are unlimited.

On Prosperity-Plus Savings Accounts: By federal regulation, transfers to another account are limited to six per calendar month. In addition, none of those transactions may be made by check, draft, or use of a debit card at merchant terminals or similar orders, and none may be made to third parties by telephone, pre-authorization or automatically. Transactions conducted in person and by automatic teller machine (ATM) are unlimited.

Overdraft/Non-sufficient funds

Overdraft is an item or entry in excess of the available account balance that is paid by the bank. An overdraft will create a negative balance in your account. You may be charged a paid check fee for each item.

Non-sufficient Funds (NSF) is an item or entry in excess of the available account balance that is returned unpaid. You may be charged a returned check fee for each item.

An overdraft or non-sufficient funds item may be created by check, in-person withdrawal, ATM withdrawal, or by any other electronic means.

Cancelled Checks

Cancelled checks for Personal Checking, Student Checking, Checking-With-Interest and Money Market Investment accounts are held by the bank in safekeeping.