Personal Banking for Everyday Life

• Advantage Club: No fees on cashier’s checks or money orders; stop payment (limit one per month)
• Advantage College & Service Member: Up to $20 reimbursement per statement cycle for ATM transaction fees assessed by operators of ATMs not owned by us.***
• Advantage 55: Discount on safe deposit box

* We may approve certain transactions that overdraw your account. 1. An overdraft fee of $30.00 may be charged for each transaction that overdraws your account. 2. The categories or types of transactions that may overdraw your account include payments, purchases, and transfers. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. 3. Whether your overdrafts will be paid or not is at our sole discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. 4. We reserve the right to require you to repay your overdrafts immediately or on demand.
** $2.00 Overdraft Transfer Fee per transfer
*** When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry, even if you do not complete a fund transfer).

At the end of the Club period each year, October 31, the funds in the account will be mailed to the account holder by check. Checks are mailed on November 1 each year. Funds in the account are subject to an early withdrawal fee of $5 for any withdrawals made prior to the end of the Club period.

* Account statements issued quarterly

Federal law requires that a savings or money market account holder may make no more than six (6) transfers and/or withdrawals during any statement cycle, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic agreement, order or instruction or by check, draft, debit card, or similar order made by you and payable to third parties. In accordance with federal law, if you have more than the allowable transfers or checks or drafts in any one period, your account may be subject to closure or placed in another type of account which you are eligible to maintain. In addition to the above transfer types, by law you may make unlimited withdrawals or transfers if made in person at our locations, by messenger, mail or telephone (via check mailed to you), or use of an ATM card. However, you will be charged a $3.00 excessive debit fee for each debit over (6), regardless of type.