Checking

Regular Checking

$200 Minimum Balance To Avoid Monthly Fee
$1 Plus 5¢ Per Transaction Fee For Balance Under $200

Money Market

Interest Bearing (must maintain $500 balance)
No Monthly Fees (must not fall below $500 any day of the statement cycle or a $5 fee assessed)
Monthly Statement
Limited to 3 Checks Per Month
Limited to 6 Transfers Per Month

Now Account

$500 Minimum Balance (to avoid monthly fee)
$5 Monthly Maintainence Fee (for balances under $500)
Interest Bearing (must maintain $500 balance)
Money Market

Winner Account

$100 Minimum Balance (to avoid monthly fee)
$5 Monthly Fee (for balances under $100)
Interest Bearing (must maintain $500 balance)
First Order of Checks Free
Unlimited Checking (no per-check charges)
Accidental Death Insurance
Credit Card Protection

Winner Plus Account

Interest Bearing (must maintain $500 balance)
Only a $4 Monthly Membership Fee
Free Personalized Checks
Increased Accidental Death Insurance
Free Money Orders & Cashiers Checks
Free Safe Deposit Box for 1 Year

Winner 50 Account

An account for people age 50 or older (You can enjoy all the same great benefits as the winner plus account)

PLUS No Monthly Membership Fee (must maintain $100 balance)
PLUS Any Style Checks Free

Please contact us for interest rate information.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term, "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pay no interest. It also includes interest on Lawyers Trust Accounts ("IOLTA's). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

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