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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS       

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit amount ($250,000), for each deposit insurance ownership category.

 

Regular Account

Minimum Balance to Open the Account: $200.00
Credits Against Fees: This account features an earnings credit which is applied to reduce or eliminate fees on the account.
Earnings Credit: The earnings credit will be calculated by applying a $.03 credit per average $10.00 collected balance.
Fees: A service charge fee of $5.00 and a per debit item fee of $.10 per item will be charged each statement cycle unless offset by earnings credit.
Transaction Limitations: None
Interest: None
ATM/Debit Card: 30 days after account opening upon approval
 

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Now Account

Minimum Balance to Open the Account: $1,000.00
Credits Against Fees: This account features an earnings credit which is applied to reduce or eliminate fees on the account.
Earnings Credit: The earnings credit will be calculated by applying a $.03 credit per average $10.00 collected balance.
Fees: A service charge fee of $5.00 and a per debit item fee of $.15 per item will be charged each statement cycle unless offset by earnings credit.
Transaction Limitations: None
Interest: Interest will be compounded and credited into this account monthly.
ATM/Debit Card: 30 days after account opening upon approval
 

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Super Now Account

Minimum Balance to Open the Account: $2,500.00
Credits Against Fees: This account features an earnings credit which is applied to reduce or eliminate fees on the account.
Earnings Credit: The earnings credit will be calculated by applying a $.03 credit per average $10.00 collected balance.
Fees: A service charge fee of $15.00 and a per debit item fee of $.15 per item will be charged each statement cycle unless offset by earnings credit.
Transaction Limitations: None
Interest: Interest will be compounded and credited into this account monthly
ATM/Debit Card: 30 days after account opening upon approval
 


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Money Market Account

Minimum Balance to Open the Account: $2,500.00
Minimum Balance to Avoid a Monthly Service Charge: $2,500.00 daily balance
Below Minimum Balance Service Charge: $10.00 per statement cycle
Transaction Limitations: Transfers or withdrawals made to another account of the same depositor at the same bank or to third parties, if made by the following are limited to six per statement cycle - PREAUTHORIZED TRANSFER - AUTOMATIC TRANSFER - TELEPHONE - ONLINE BANKING - CHECK OR DRAFT - DEBIT CARD. If the limitations are exceeded, $10.00 may be charged for each check, draft or transfer in excess of the six per statement cycle. The account will be subject to closure for continued violation of limitations.
Interest: Interest will be compounded and credited into this account monthly
ATM/Debit Card: 30 days after account opening upon approval
 

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