Common use of Terms and Conditions Applicable to Checking Accounts Clause in Contracts

Terms and Conditions Applicable to Checking Accounts. 1. We offer two types of checking accounts: Personal Checking and Access Checking. 2. Our checking accounts let you withdraw your money at any time. Only the Personal Checking Account offers check writing ability. 3. If you are between the ages of 14 and 18 years old and we allow you to open a checking account, your parent or legal guardian may have to be a joint owner of your account. Personal Checking 4. There is no minimum deposit required to open a Personal Checking Account. 5. A monthly service charge of $5 applies, but will be waived if any of the following conditions are met: (1) you maintain an average daily balance of at least $2,500 over that month; (2) you maintain monthly direct deposit(s) totaling at least $500 into one (1) or more Credit Union accounts; (3) one of the account owners is age sixty-five (65) or older; or (4) one of the account owners is age twenty-four (24) or younger. 6. There is no minimum daily balance required in this account to obtain the disclosed APY stated on the Access Checking 7. There is no minimum deposit required to open an Access Checking Account. 8. A monthly service charge of $5 applies, but will be waived if any of the following conditions are met: (1) you maintain an average daily balance of at least $2,500 over that month; (2) you maintain monthly direct deposit(s) totaling at least $500 into one (1) or more Credit Union accounts; (3) one of the account owners is age sixty-five (65) or older; or (4) one of the account owners is age twenty-four (24) or younger. 9. There is no minimum daily balance required in this account to obtain the disclosed APY stated on the 10. No checks will be provided to Access Checking Account owners. General Terms and Conditions Applicable to all Checking Accounts 11. Funds in checking accounts may not be pledged as security for any loan(s). 12. We may close your Checking Account and deny access to other services or products (including but not limited to checks, ATM and debit cards) at any time due to inactivity, fraud, lack of due care in the handling of your account or increase our risk for loss or other reason we deem appropriate. 13. We may, at our discretion, pay funds from this account, without obligation or liability for refusal to pay: a. When such payment would draw the account below the minimum balance for the account we establish from time to time. b. If drawn by means not authorized in advance by us. c. Against checks or electronic debits presented over six (6) months past their issue dates. d. Against loans you have with us that are in default. 14. All checking accounts are truncated checking accounts. Check copies are not returned with statements. Both sides of checks are microfilmed and stored for seven (7) years from date of posting. Upon request, we will provide you with a photocopy of a requested item within a reasonable time. We will not charge for copies of the first two (2) items you request appearing on any one (1) statement. Additional copies will be subject to fee(s) as disclosed in the Fee Schedule.

Terms and Conditions Applicable to Checking Accounts. ‌ 1. We offer two types of checking accounts: Personal Checking and Access Checking. 2. Our checking accounts let you withdraw your money at any time. Only the Personal Checking Account offers check writing ability. 3. If you are between the ages of 14 and 18 years old and we allow you to open a checking account, your parent or legal guardian may have to be a joint owner of your account. Personal CheckingChecking‌ 4. There is no minimum deposit required to open a Personal Checking Account. 5. A monthly service charge of $5 applies, but will be waived if any of the following conditions are met: (1) you maintain an average daily balance of at least $2,500 over that month; (2) you maintain monthly direct deposit(s) totaling at least $500 into one (1) or more Credit Union accounts; (3) one of the account owners is age sixty-five (65) or older; or (4) one of the account owners is age twenty-four (24) or younger. 6. There is no minimum daily balance required in this account to obtain the disclosed APY stated on the Access CheckingChecking‌ 7. There is no minimum deposit required to open an Access Checking Account. 8. A monthly service charge of $5 applies, but will be waived if any of the following conditions are met: (1) you maintain an average daily balance of at least $2,500 over that month; (2) you maintain monthly direct deposit(s) totaling at least $500 into one (1) or more Credit Union accounts; (3) one of the account owners is age sixty-five (65) or older; or (4) one of the account owners is age twenty-four (24) or younger. 9. There is no minimum daily balance required in this account to obtain the disclosed APY stated on the 10. No checks will be provided to Access Checking Account owners. General Terms and Conditions Applicable to all Checking AccountsAccounts‌ 11. Funds in checking accounts may not be pledged as security for any loan(s). 12. We may close your Checking Account and deny access to other services or products (including but not limited to checks, ATM and debit cards) at any time due to inactivity, fraud, lack of due care in the handling of your account or increase our risk for loss or other reason we deem appropriate. 13. We may, at our discretion, pay funds from this account, without obligation or liability for refusal to pay: a. When such payment would draw the account below the minimum balance for the account we establish from time to time. b. If drawn by means not authorized in advance by us. c. Against checks or electronic debits presented over six (6) months past their issue dates. d. Against loans you have with us that are in default. 14. All checking accounts are truncated checking accounts. Check copies are not returned with statements. Both sides of checks are microfilmed and stored for seven (7) years from date of posting. Upon request, we will provide you with a photocopy of a requested item within a reasonable time. We will not charge for copies of the first two (2) items you request appearing on any one (1) statement. Additional copies will be subject to fee(s) as disclosed in the Fee Schedule.