Personal Checking

Personal Checking: Minimum Balance to Open. The minimum balance required to open this account is $25.00. Minimum Balance to Avoid a Fee. If your average daily balance falls below $1,300.00 for any statement cycle, and your balance falls below $650.00 on any day in the statement cycle, your account will be subject to a Service Charge of $10.00 for that statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Relationship Balances. The Service Charge may be waived by maintaining a combined balance of $10,000.00 across either related loan or deposit accounts, with the primary account holder listed as the primary account holder on all related accounts. Fees and Charges. The following fees and charges apply to this account: Paper Image Charge: If you opt to receive paper account statements with images, a Paper Image Charge of $5.00 will be assessed per statement cycle. There is no charge for paper account statements without images.

Additional Terms. Waiver for Student Account Holders: If the primary account holder is a student who is under the age of 23 at the end of the statement cycle, their Service Charge will be waived. Waiver for Senior Account Holders: If the primary account holder is 65 years of age or older at the time of account opening, the Service Charge will be waived. Otherwise, upon reaching age 65, the primary account holder may request to have their Service Charge waived. Discount for Direct Deposit: If you have a direct deposit into your account during the statement cycle, your Service Charge, if applicable, will be discounted by $5.00.

Personal Interest Checking: Rate Information. At our discretion, we may change the interest rate(s) for this account. The interest rate(s) and annual percentage yield(s) may change at any time. Crediting Frequency. The interest will be credited into this account monthly. Compounding Frequency. The interest will be compounded monthly. Effect of Closing an Account. If you close your account before interest is credited, you will not receive the accrued interest. Daily Balance Computation Method. The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. Accrual of Interest on Noncash Deposits. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items, for example checks, into your account.

Minimum Balance to Open. The minimum balance required to open this account is $25.00. Minimum Balance to Obtain the Disclosed Annual Percentage Yield. You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. Minimum Balance to Avoid a Fee. If your average daily balance falls below $2,000.00 for any statement cycle, and your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a Service Charge of $15.00 for that statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Fees and Charges. The following fees and charges apply to this account: Paper Image Charge: If you opt to receive paper account statements with images, a Paper Image Charge of $5.00 will be assessed per statement cycle. There is no charge for paper account statements without images. Additional Terms. Two Non-BSV ATM Withdrawal Charges ("ATM W/D SVC") waived per statement.

Please see account opening disclosures for full list of fees, charges, and other terms.