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CHECKING TERMS & CONDITIONS

(1)  Premier Checking Account:

Dividends There are no dividends paid on this checking account. 

Minimum Balance Requirements: There is no minimum balance required to open or maintain this checking account. 

Transaction Limitations There are no transaction limitations on this checking account. 

Fees and Charges; Other Requirements A monthly account fee will be assessed on the last day of each month.  You may avoid the monthly account fee as defined in the Membership Rewards Program.  Other benefits may be available as defined in the Membership Rewards Program.  Other fees may apply to this account as outlined in the Schedule of Fees. 

(2)  Premier eChecking Account:

Dividends:  There are no dividends paid on this checking account. 

Minimum Balance Requirements:  There is no minimum balance required to open or maintain this checking account. 

Transaction Limitations:  There are no transaction limitations on this checking account. 

Fees and Charges; Other Requirements:  A monthly account fee may be assessed on the last day of each month. The monthly fee will be waived if any of the following conditions apply: 

1)    A direct deposit has been received by the last day of the month following the month you obtain the Premier eChecking account or any month thereafter; or

2)    (a)  You complete the electronic enrollment process to receive e-Statements, and

(b)  You have made at least three Bill Pay transactions by the last day of the month following the month you obtain the Premier eChecking account or any month thereafter

The monthly fee for the Bill Pay service will be waived.  The fee for one box of checks (Credit Union Custom Style) will be waived each calendar year.   Other benefits may be available as defined in the Membership Rewards Program.   Other fees may apply to this account as outlined in the Schedule of Fees. 

(3)  Premier Preferred Checking Account:

Dividends:  See Disclosures Concerning Dividends in this Section. 

Minimum Balance Requirements There is no minimum balance required to open or maintain this checking account.  There is a minimum balance requirement of $0.01 to earn dividends. 

Transaction Limitations There are no transaction limitations on this checking account. 

Fees and Charges; Other Requirements:  A monthly account fee will be assessed on the last day of the month if the Premier Preferred account balance falls below an average daily balance of $2,500 at the end of the month. You may avoid the monthly account fee as described in the Membership Rewards Program.  The monthly fee for the Bill Pay service will be waived. The fee for one box of checks (Credit Union Custom Style) will be waived each calendar year.   Other benefits may be available as defined in the Membership Rewards Program.  Other fees may apply to this account as outlined in the Schedule of Fees.  

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