|Features and Benefits||Free Checking||eChecking||Premier Checking||Right Start Checking|
|Minimum Balance Requirement||$0||$0||$2,0001||$0 ($25 initial deposit required)|
|Monthly Service Fee||$0||$02 (if all requirements are met)||$0 (if all requirements are met)||$0|
|Earns Dividends||No||Yes1 ($1,000 average daily minimum balance required)||Yes1 ($2,000 average daily minimum balance required)||No|
|Direct Deposit Requirement||No||No||No||No|
|FREE Corporate Image Checks||No||No||Yes||Yes|
|FREE Starter Checks||No||Yes||No||No|
|Must Be an eBanking User||No||Yes||No||No|
|Must be signed up for FREE eStatements||No||Yes||No||No|
|Must conduct 8 transactions per month with Visa Debit Card||No||Yes||No||No|
|FREE Overdraft Protection||Yes||Yes||Yes||No|
|FREE ATM Network Access||Yes||Yes||Yes||Yes|
|FREE non-ATM Network Access||No||Yes3||No||No|
|Visa Debit Card||Yes||Yes||Yes||Yes|
|FREE Online ePay||Yes||Yes||Yes||Yes|
1The average daily balance is calculated by taking the ending balance of each day, adding each day's ending balance together, then dividing by the number of days in the month. For Premier Checking: any month your account balance falls below the minimum monthly average daily balance of $2,000, your account will be assessed a $5 fee. For eChecking: any month your account balance falls below the minimum monthly average daily balance of $1,000, your account will not earn dividends.
2$20 monthly account fee applies if account requirements are not met each month.
3ATM surcharge fees from other institutions reimbursed at the end of the month if all account requirements are met.