VALUE CHECKING ACCOUNT - Terms And Conditions

RATE INFORMATION - This account does not receive dividends. MINIMUM BALANCE REQUIREMENTS - The minimum balance required to open this account is $100.00. TRANSACTION LIMITATIONS - Limited to ten (10) cleared checks per month. You may be charged $0.40 per check for checks over ten (10) per month. There is a $3.00 monthly fee, regaqrdless of the balance. We may not pay dividends for an item deposited and subsequently returned unpaid (i.e. NSF).