Truth-In-Savings Disclosure
ACTIVE 50 CHECKING ACCOUNT - (50 years of age or older)
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. This account has no monthly maintenance fee. You will receive three free cashier’s checks and a free VISA TravelMoney card.
ACTIVE 50 PLUS CHECKING - (50 years of age or older)
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. No minimum balance requirement in order to obtain the disclosed annual percentage yield.
Minimum balance to avoid imposition of fees. A service charge fee will be imposed every statement cycle regardless of account balance.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. You will receive three free cashiers checks and a free VISA TravelMoney card with this account. A $4.95 monthly service charge will be charged to your account.
PLASTIC CHECKING ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. A check fee of $0.75 will be charged for each check cleared in excess of five during a month. There is no charge to have images of checks returned with your account statement.
BONUS CHECKING ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. This account has no monthly maintenance fee.
JUST CHECKING ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. A $12.00 monthly service charge fee will be assessed.
LIFESTYLE CHECKING ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees. A service charge fee will be imposed every statement cycle unless you maintain either a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00 for the monthly 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.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. You will receive three free cashier’s checks and a free VISA TravelMoney card with this account. A $10.00 monthly service charge will be charged if the minimum daily balance is not maintained.
STUDENT CHECKING ACCOUNT - (Must be at least 18 years of age)
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees. A check fee of $0.75 will be charged for each check cleared in excess of five during a month.
MONEY MARKET ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees. A service charge fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no more than three by check or similar order to third parties. If you exceed the above limitations, an excess activity fee will be charged for each item that exceeds the limit and the funds in this account may be transferred to a noninterest-bearing checking account, the account may be closed, or we may take other action we deem necessary.
Fees. An excess activity charge of $15.00 per activity will be charged for each transaction that exceeds the limit.
JUNIOR SAVERS CLUB - (18 years of age and under)
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every quarter.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $25.00 to open this account.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. Transfers from a Junior Savers Club account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.
Fees. No quarterly service fee applies. A $0.25 excess activity fee will be charged for each withdrawal in excess of six during a calendar quarter.
ATM Access. ATM cards are available to account holders for balance inquiries and deposits only.
REGULAR SAVINGS ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every quarter.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees. A service charge fee will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.
Fees. A $6.00 quarterly service charge fee will be applied if the minimum balance is not maintained. A $2.00 excess activity fee will be charged for each withdrawal in excess of six during a calendar quarter.
STUDENT SAVINGS ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every quarter.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees. A service charge fee will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. Transfers from a Student Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.
Fees. A $6.00 quarterly service charge fee will be applied if the minimum balance is not maintained. A $2.00 excess activity fee will be charged for each withdrawal in excess of six during a calendar quarter.
TREASURY ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will be compounded and credited to your account every month.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees. A service charge fee will be imposed every month if the balance in the account falls below $2,500.00 any day of the cycle.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. Additional deposits are limited to a minimum of $1,000.00 per deposit. Transfers from a Treasury account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.
Fees. A $10.00 excess activity fee will be charged for each withdrawal in excess of two per month.
ATM Access. ATM cards are not available with this account.
BACK-TO-SCHOOL CLUB ACCOUNT, GETAWAY CLUB ACCOUNT,
HOLIDAY CLUB ACCOUNT, SPRING BREAK CLUB ACCOUNT
Rate Information. Your interest rate and annual percentage yield may change.
Frequency of rate changes. We may change the interest rate on your account daily.
Determination of rate. At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency. Interest will not be compounded. Interest will be credited to your account annually.
Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account. You must deposit $20.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum average daily balance of $20.00 to obtain the disclosed annual percentage yield.
Average daily balance computation method. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. 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. The period we use is the year.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. No over the counter transactions are allowed. Deposits can be made only through automatic funds transfer from any County Bank account with a minimum of $20.00 per transfer. Deposits may be made as frequently as you choose. At the end of the club year, you may choose to have the funds either credited to another account or mailed to you by check.
ATM Access. ATM cards are not available with this account.
CERTIFICATE OF DEPOSIT
Rate information. Please refer to your CD Agreement for details.
Compounding and crediting frequency. Interest is compounded and credited monthly.
Minimum balance to open the account. You must deposit $1,000.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. You may not make any deposits into your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term of crediting after it is credited to your account.
Time requirements. Please refer to your CD Agreement for details.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity). Refer to CD Agreement for details. The penalty we may impose is the greater of:
- Certificate Term Penalty
- 7-29 days Loss of all interest accrued
- 30 days - 364 days One month of interest
- Over 1 year Three months of interest
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.
Withdrawal of interest prior to maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Automatically renewable time account. This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.
15 MONTH (FLEX) CERTIFICATE OF DEPOSIT
Rate information. Please refer to your CD Agreement for details. The new interest rate will be the interest rate we are then offering on time deposits of the amount of this account (or less) with the same term as the original term of this account.
Compounding and crediting frequency. Interest is compounded and credited monthly.
Minimum balance to open the account. You must deposit $1,000.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. You may change the interest rate paid on the CD once during the 15 month term. An additional deposit may be made to it the same time you change the interest rate. The Maturity date of a CD that has the interest rate changed or that has an additional deposit made to it will be extended to 15 months from the date the change was made to it. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term of crediting after it is credited to your account.
Time requirements. Please refer to your CD Agreement for details.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity). Refer to CD Agreement for details. The penalty we may impose is the greater of:
- Certificate Term Penalty
- 7-29 days Loss of all interest accrued
- 30 days - 364 days One month of interest
- Over 1 year Three months of interest
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.
Withdrawal of interest prior to maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Automatically renewable time account. This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.
18-MONTH STEP UP CERTIFICATE OF DEPOSIT
Rate information. Please refer to your CD Agreement for details.
Step-Up Option Plan and Rate Information (variable rate account). Please refer to your CD Agreement for interest rate information. The interest rate and annual percentage yield may change. We will not change the rate on your account during the term of the account. However, you have the option to exchange this interest rate once during the original term of the account. The new Interest rate will be the interest rate we are then offering on time deposits of the amount of this account (or less) with the same term as the original term of this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once during the original term of the account.
Compounding and crediting frequency. Interest is compounded and credited monthly.
Minimum balance to open the account. You must deposit $1,000.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations. You may not make any deposits into your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.
Time requirements. Please refer to your CD Agreement for details.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity). Refer to CD Agreement for details. The penalty we may impose is the greater of:
- Certificate Term Penalty
- 7-29 days Loss of all interest accrued
- 30 days - 364 days One month of interest
- Over 1 year Three months of interest
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan. For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.
Withdrawal of interest prior to maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Automatically renewable time account. This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.
