• Earn interest on your idle funds
• A low, fixed monthly fee that can be waived if you keep a minimum balance in the account
• Access to your account information using our Online Banking Solution
• View paid checks online (front and back) before your statement arrives
• Convenient monthly statements
• Download account information to Intuit QuickBooks® and Microsoft® Money in one easy step
• E-mail alerts automatically sent when your balance goes above or below dollar amounts you specify
• View up to 24 months of statements and 3 months of paid checks online
• FDIC insured
• Conduct business online, through the mail (use our free bank-by-mail envelopes) or at any of our convenient Financial Centers.
• Use Online Bill Pay and other cash management tools for small additional fees

• All of the above features are included in the low monthly fee of $15.00. We will waive the fee each month you maintain a minimum balance of just $5,000.00 in your account.

* Annual Percentage Yield (APY) is accurate as of 01/31/2012. Rates on CDs are fixed for the term of the CD at the time of opening. For all other interest bearing accounts, the interest rate may change after account is opened. Rates offered are subject to change at any time without prior notice. Fees and early withdrawal penalties could reduce earnings on the account. See Product Information for other terms and conditions.