Personal Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$100
Minimum Balance Required During Statement Cycle:
$800 and Over	No Charge
$600 - $799.99	$2.00
$400 - $599.99	$3.00
$200 - $399.99	$4.00
$199.99 and Under	$5.00
Statement Period	Monthly
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Stop Payment Charge (Per Item)	Refer to Other Fees

Senior Citizens 62 years and older are exempt from maintenance fee and also get FREE personalized safety paper checks.

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Commercial Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$100
Minimum Balance Required During Statement Cycle	None
Statement Period	Monthly
First Order Safety Paper Checks	No Charge
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Commercial Checking Fee	$5.00
Stop Payment Charge (Per Item)	Refer to Other Fees

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Commercial Interest Checking

Variable Rate Information

The interest rate and annual percentage yield for this account will be:
Interest Rate: 1.0000% APY: 1.01%
NOTE: In this disclosure, Annual Percentage Yield is abbreviated as "APY".

Determination of Rate

At our discretion, we may change the interest rate on your account.

Frequency of Rate Change

We may change the interest rate on your account at any time.

Compounding and Crediting

Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you may not receive the accrued interest.

Feature	Requirement/Charge
Minimum Initial Deposit	$100 * A service charge of $12.50 will be imposed monthly if the balance in the account falls below $2,000.00 any day of the month.
Statement Period	Monthly
Fees and Charges	Refer to Schedule of Account Fees

Balance Computation Method

Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual and Noncash Deposits

Interest begins to accrue no later than the business day we receive provisional credit for the deposit of non-cash items (for example, checks)

Additional Disclosure Information

To qualify for this account you must receive your monthly statement electronically.

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Citizens Plus Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$100.00
Minimum balance required	None
VISA Debit Card	None
Interest Earned
Compounded and Credited	Monthly
Computation Method	Daily Balance
On non-cash items, interest will begin to accrue when funds are collected. If account is closed before interest is credited, you may not receive the accrued interest Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time.
Other Fees
Funds transferred between inter bank accounts	No Charge
Receipt of Statements
e-Statements	No Charge
Postal Mail	$3.00
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Stop Payment Charge (Per Item)	Refer to Other Fees

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Student Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$50.00
Minimum Balance Required During Statement Cycle	None
Statement Period	Monthly
First Order Safety Paper Checks	No Charge
Returned Item Fee / Overdraft Fee (each)	$12.00
Insufficient Funds Charge (Per Item)	$12.00
Stop Payment Charge (Per Item)	$20.00

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NOW Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$1,000.00
Minimum Balance Required to obtain APY	$1,000.00
Minimum Balance Required During Statement Cycle:
$1,000 and Over	No Charge
$999 and Under	$5.00 fee
Interest Earned
Compounded and Credited	Monthly
Computation Method	Daily Balance
On non-cash items, interest will begin to accrue when funds are collected. If account is closed before interest is credited, you may not receive the accrued interest
Statement Period	Monthly
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Stop Payment Charge (Per Item)	Refer to Other Fees
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time.

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Super NOW Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$2,500.00
Minimum Balance Required to obtain APY	$2,500.00
Minimum Balance Required During Statement Cycle:
$2,500 and Over	No Charge
$2,499 and Under	$5.00 fee
Interest Earned
Compounded and Credited	Monthly
Computation Method	Daily Balance
On non-cash items, interest will begin to accrue when funds are collected. If account is closed before interest is credited, you may not receive the accrued interest
Statement Period	Monthly
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Stop Payment Charge (Per Item)	Refer to Other Fees
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time.

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Bonus Checking

Feature	Requirement/Charge
Minimum Initial Deposit	$100.00
Minimum Balance Required to obtain APY	None
Accidental Death Insurance
Basic ($20,000)	$8.00
Personal ($40,000)	$10.00
Family ($60,000)	$12.00
Statement Period	Monthly
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Stop Payment Charge (Per Item)	Refer to Other Fees
Bonus Checking Checks	No Charge
Additional Benefits	No Charge
Member Travel Magazine	No Charge
Traveler’s Advantage & Discount	No Charge
Credit Card Registration	No Charge
Saver's Club	No Charge
Wire Transfer	No Charge
Notary	No Charge
Cashier’s Checks	No Charge
Money Orders	No Charge
Accidental Death and Dismemberment Insurance: Not a deposit Not FDIC Insured Not insured by any federal government agency Not guaranteed by the bank May go down in value (if applicable)

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Defenders of Freedom Account

• Monthly statement cycle
• No monthly maintenance fee

Feature	Requirement/Charge
First order of wallet checks	No Charge
Minimum Balance Required During Statement Cycle	None
Interest Earned
Compounded and Credited	Monthly
Computation Method	Daily Balance
On non-cash items, interest will begin to accrue when funds are collected. If account is closed before interest is credited, you may not receive the accrued interest Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time.
ATM/Visa Debit Card Holder Fee	No Charge
Cashier's Checks and Money Orders	No Charge
Notary Service	No Charge
Wire Transfer	No Charge
Fax Service	No Charge
Bonus Rate on Certificate of Deposit
Safe Deposit Box Rental Fee	50% Discount (upon availability)
Eligibility Requirements	Available to all Military Personnel (active or non-active), Veterans, Law Enforcement, Fire Fighters, and First Responders
Returned Item Fee / Overdraft Fee (each)	Refer to Other Fees
Insufficient Funds Charge (Per Item)	Refer to Other Fees
Stop Payment Charge (Per Item)	Refer to Other Fees

Variable Rate Information

The interest rate and annual percentage yield for this account will be:
Current Interest Rate: .2500% Current APY: .25%
Interest Rate: .2500% APY: .25%
NOTE: In this disclosure, Annual Percentage Yield is abbreviated as "APY".

Determination of Rate

At our discretion, we may change the interest rate on your account.

Frequency of Rate Change

We may change the interest rate on your account at any time.

Compounding and Crediting

Interest will be compounded and credited to your account monthly.

****Effect of Closing your Account****

If you close your account before interest is credited you may not receive the accrued interest.

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