Description:

• Savings account earning interest with lower minimum balance requirements 

Requirements:

• Minimum amount to open - $25.00 
• No outside the bank transactions 
• Only 6 telephone transfers a month  

Benefits:

• Interest paid quarterly, compounded daily, variable rate 
• No quarterly service charge for minors or full time students   

Cost:

• Balance maintained to avoid quarterly service charge - $100.00 & above 
• Balance $99.99 and below anytime during quarterly statement cycle $4.00 service fee. 
• Debits in excess of 9 per quarter - .50 an item