Commercial Savings Account

Additional Terms.
The following additional terms apply to this account and also see Limits and Fees Disclosure.

• Free Internet Banking
• Bill Pay (3 month FREE trial period)
• Free 24 hour telephone banking
• A fee of $2.00 will be charged for each withdrawal in excess of three during a quarter. Fees could reduce earning on the account.
• Transaction Limitations
• Covered Transfers and Withdrawals:
• A depositor may make no more than six covered withdrawals per statement cycle.
• Transfers or withdrawals made to another account of the same depositor at the same bank and to a third party, if made by preauthorized transfer, automatic transfer, by telephone, including fax, or with the bank’s home or internet banking service.
• Transfers to a third party, if made by check, draft, debit card, or similar order made by the depositor and payable to third parties.
• Non-Covered Transfers and Withdrawals:
• There is no limit to the number of non-covered transfers or withdrawals.
• Transfers for the purpose of repaying loans and associated expenses at the bank.
• Transfers from one account of the depositor to another account of the same depositor and withdrawals from the account, if made by mail, ATM, or in person.
• Withdrawal made by telephone via check mailed to the depositor and transfer into the account.
• If you close your account within 90 days a fee of $50.00 will apply.
• We will charge your account a $2.00 per calendar day “daily overdraft fee” after the 7th consecutive day your account is overdrawn.