VALLEY CHECKING*
 No minimum balance required after opening
 No monthly service charges
 Free Debit Card
 Unlimited check writing
 $50 minimum opening deposit

GREEN VALLEY CHECKING*
 No minimum balance required after opening
 No monthly service charges
 Free Debit Card
 e-Statements required
 Checks printed on recycled paper
 FREE "Eco-Tote" made from recycled materials
 $50 minimum opening deposit

GOLDEN VALLEY CHECKING*
 For customers 55 and older
 No minimum balance required after opening
 No monthly service charge
 Free Debit Card
 $10 off safe deposit box
 Free Checks for Life!
 $50 minimum opening deposit

INTEREST-ON CHECKING*
 Earn interest on every dollar
 No monthly service charges unless daily account balance is below $750 or average daily balance falls below $2,500;
    then $5 per statement cycle and $.20 per debit
 Free Debit Card
 $10 off safe deposit box
 Free Checks for Life!
 $50 minimum opening deposit

PLATINUM CHECKING*
 
Earn a higher rate of interest
 No monthly service charges unless daily account balance falls below $10,000; then $8 per statement cycle
 Free Debit Card
 Free Safe Deposit Box!
 Free Checks for Life!
 Automatic interest rate bump on new CDs!
 $10,000 minimum opening deposit

MONEY MARKET CHECKING*
 Earn higher rate of interest
 No monthly service charges unless daily account balance is below $2,500; then $7.50 charge per month
 No per debit charge unless daily account balance is below $2,500; then $.20 per debit
 Transaction limitations apply, please ask for details.
 First box of checks free
 $2,500 minimum opening deposit


* Bank rules and regulations apply
* Accounts that are dormant for 12 months are charged a $5 fee per month until reactivated.

BUSINESS CHECKING
 $100 minimum opening deposit
 $5 monthly fee plus $.25 per debit ($.50 credit per $100 minimum balance is subtracted from the monthly fee)



Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. The funds will generally be available by the second business day after the deposit.
 

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

 

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

 

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html