FREE CHECKING

• You must deposit $100 to open the account.

• There is no monthly service charge.

• You will be charges a non-customer fee for each cashier’s check or traveler’s checks purchased.

• If your account is dormant, you will be charged the fee specified in the fee schedule of the account disclosures.  Dormant is defined as an account that has had no credit or debit activity for a period of 180 days and the account balance is $200 or less.  You further agree that we are relieved of all responsibility if your account balance is escheated.