Choosing the Right Checking Account for You

UNIFY eBANKING

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
Per-Check Fee	No	No	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 eBanking	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.

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