Earnings Credit - This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit.

Earnings Credit Calculation - The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period. At our discretion, the periodic earnings credit rate may change at any time. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of earnings credit on noncash deposits - Earnings credit begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

*Fees: -
An account maintenance fee of $5.00 will be charged each month.
A credit transaction fee of $.30 will be charged for each deposit.
A debit transaction fee of $.10 will be charged for each debit paid.
A deposited item fee of $.07 will be charged for each foreign item deposited.