A TRADITION  of Community Banking since 1903

To order checks online click:  www.deluxe.com

Regular Checking No monthly service fee if minimum daily balance is kept at $500 Premium Checking Low monthly service fee with unlimited check writing    o Silver Account    o Gold Account    o Platinum Account    o Mature Market Account NOW Account Earn interest on balances of $1,500 or more Super NOW Account Earn premium rates on balances of $2,500 or more Balances under $2,500 earn at the NOW account rate Money Rate Deposit Account Earn interest on balances of $2,500 or more Personal Savings Interest paid quarterly at a variable rate on daily balance method Minimum deposit of $25.00 to open account 6 withdrawals per quarter at no charge  $1.00 service fee for every withdrawal or transfer in excess of six per quarter (including ATM and telephone transactions)  Monthly $2.00 service fee if balance falls below $25.00 any day of the month Minimum daily balance fee is waived for Young Savers

• No monthly service fee if minimum daily balance is kept at $500 
•  Unlimited check writing   
•  Customer pays for printed checks        
•  5 ATM transactions per day, limit $300  

¨	Insurance  Coverage*
	As a member, you’ll receive $10,000 of 24-hour Accidental Death and Dismemberment Insurance protection.  Coverage increases to $35,000 while traveling as a passenger on a scheduled airline.  Coverage decreases by 50% after age 70 and is divided equally among joint account holders.
	*Insurance benefits are NOT a bank deposit, NOT guaranteed by the bank, NOT insured  by the FDIC or any  Federal Government Agency, and MAY lose value.
	FINANCIAL SERVICES
¨	Personalized Checks
	Receive all of the personalized club checks needed at no cost
¨	Unlimited Checking
	With Silver checking there are no per check charges
¨	Free on-line bill pay
¨	Money Orders – NO ISSUE CHARGE
¨	Certified Checks – NO ISSUE CHARGE
¨	Printouts – NO CHARGE
	Receive up to 4 printouts per month showing check activity
¨	ATM Card Replacement
	If your card is lost, stolen, or damaged, we’ll replace it at no charge
¨	Coin Verification & Wrapping
	Just bring in your loose or rolled coins and we’ll do the rest at no cost
	Monthly fee is only $7.00

Receive all of the financial services in the Silver Account plus:
¨	Insurance Coverage*
	As a member, you’ll receive $20,000 of 24-hour Accidental Death and Dismemberment  Insurance protection.  Coverage increases to $45,000 while traveling as a passenger on    a scheduled airline.   Coverage decreases by 50% after age 70 and is divided equally  among joint account holders.
	*Insurance benefits are NOT a bank deposit, NOT guaranteed by the bank,  NOT insured by the FDIC or any Federal Government Agency, and MAY lose value.
	ADDITIONAL BENEFITS
¨	Travel & Entertainment discounts
	Here’s the smart travelers first choice for special travel savings.  Enjoy premier  accommodations-at bargain prices-in prestigious resort or business destinations with  our Premier Hotel Savings Book.
¨	Credit Card Protection
	Never worry about lost or stolen credit, debit, or ATM cards again!  With one quick, toll- free phone call, you can cancel your cards, stop unauthorized purchases, and request prompt card replacement.
¨	Free on-line bill pay
¨	Key Ring Registration
	Lost keys are a bother – but putting your name and address on them is an open invitation to thieves.  We'll help you get your lost keys back while protecting your privacy.
¨	Theme Park & Movie Discounts
	Treat yourself to bargain prices at your favorite U.S.A. theme parks and movie theatres.
¨	Discount Car & Truck Rental
	Save on car and light truck rental at national car rental agencies such as Alamo and Hertz.
	Monthly fee is only $8.00

Receive all of the financial services in the Silver Account and the benefits in the Gold Account plus:
¨		Insurance Coverage*
		As a member, you’ll receive $30,000 of 24-hour Accidental Death and dismemberment  Insurance protection.  Coverage increases to $55,000 while traveling as a passenger on a scheduled airline.  Coverage decreases by 50% after age 70 and is divided equally among joint account holders.
		*Insurance benefits are NOT a bank deposit, NOT guaranteed by the bank, NOT insured by the FDIC or any Federal Government Agency,  and MAY lose value.
		ADDITIONAL BENEFITS
¨		Vision Care
		Now you can save 10% to 60% on eyeglasses, non-prescription sunglasses, and contact lenses!  These and other items are available at over 7,000 retail providers nationwide through Coast to Coast Vision.
¨		Free on-line bill pay
¨		Grocery Coupons
		Get valuable coupons on the products you buy every day.  Use them at any grocery store.  Select from more than 1,000 brand name items.
¨		Money For College
		Find scholarship and financial aid for your college-bound students!  Access our scholarship matching service – a vast database of monetary aid for college students.
¨		Local Pharmacy Card
		Get the lowest prices on prescription drugs for you and your immediate family.  Guaranteed!  Save 10% to 50% on most prescriptions.  Our card is welcomed nationwide at over 45,000 pharmacies including most national chains.
		Monthly fee is only $9.00

An account for those 62 or better!
Receive all of the financial services in the Silver Account and the addition of: 

¨		Medical I.D. Card
		In a medical emergency, healthcare professionals may be able to provide better   treatment if they are aware of critical health information.  Now, you can keep this vital    information handy at all times with your Medical ID Card.
¨		Custom Trip Routing
		Let the map experts at Rand McNally help you plan your next road trip – with a customized Trip Report just for you!  Now planning a car trip is easy, with a little advice from the world-renowned experts at Rand McNally.
¨		Local Pharmacy Card
		Get the lowest prices on prescription drugs for you and your immediate family– Guaranteed!  Save 10% to 50% on most prescriptions.  Our card is welcomed nationwide at over 45,000 pharmacies including most national chains.
¨		Grocery Coupons
		Get valuable coupons on the products you buy every day.  Use them at any grocery store.  Select from more than 1,000 brand name items.
		Monthly fee is only $4.00

¨	No monthly service fee if balance is kept at $1,500 or more
¨	Competitive variable interest rate on balances kept over $1,500.00– interest paid monthly
¨	Unlimited check writing
¨	Customer pays for printed checks
¨	5 ATM withdrawals per day, limit $300.00
¨	APR may vary depending on minimum daily balance

Account Fee Schedule
Balance	Fee
$ 0.00 - 499.99	$10.00
$500.00 - 999.99	$ 8.00
$1,000 - $1,499	$ 5.00
$1,500 or more	$ 0.00

¨ Premium variable interest rate on balances kept over $2,500.00 – paid monthly
¨  Monthly service fee of $2.00 is in effect – see fee schedule on all accounts
¨ Per item fee of $.25 will be charged for each debit transaction (check paid, withdrawal,          automatic transfer or payment out of this account)
¨   Customer pays for printed checks
¨   APR may vary depending on minimum daily balance

Account Fee Schedule
Balance	Fee
$ 0.00 - 499.99	$10.00
$500 - 999.99	$ 8.00
$1,000 - 2,499	$ 5.00
$2,500 or more	$ 2.00

¨ Pays competitive variable interest rate in balances kept over $2,500.00-interest paid monthly.
¨ If minimum daily balance falls below $2,500.00, the Now Account interest rate will be paid.
¨ $7.00 per item fee will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six per month.
¨ The following transaction types are limited to no more than 6 transfers or withdrawals per monthly statement cycle:  Transfers or withdrawals made to another account of the same depositor  at the same bank if made by  preauthorized transfer, automatic transfer, or by telephone, including fax, or with the bank's home or Internet Banking Service.   Transfers or withdrawals to a third party, if made by preauthorized transfer, automatic transfer, or by telephone, including fax, or with the bank's home or Internet Banking Service   Transfers to a third party, if made by check, draft, debit card, or similar order made by the depositor and pays it to third parties.   ¨The following transactions types are unlimited for transfers or withdrawals per monthly statement cycle:     Transfers for the purpose of repaying loans and associated expenses in the same bank.   Transfer from one account of the depositor to another account of the same depositor if made by: mail, customer's message, ATM, or in person.   Withdrawals from the account (considered payments made directly to the depositor) if made by: mail, messages, ATM, or in person.   Withdrawals made by telephone via check mailed to the depositor.   Transfers into the account.
¨ Customer pays for printed checks.  APR may vary depending on minimum daily       balance.
Time and Temperature 638-4353