Simply Success
(Personal Checking)
Success Package
(Personal Checking)
Success Senior
(60 and Up)
Success Student
(Up to age 25)
Success Rewards* Success
Money Market
Initial deposit
to open
$5 $5 $5 $5 $1,000 $1,000
Service charges
per cycle
None $7 if balance falls below $250**
$5 if balance falls between $250-$499
None None $7 if balance falls
below $1,000**
$10 if balance falls
below $1,000**
Rates n/a n/a n/a n/a Up to 3.57% APY*
Progressive Tiered Rate
Progressive
Tiered Rate
Debit Card Complimentary Complimentary Complimentary Complimentary Complimentary
Debits
per cycle
Unlimited $.20 over 40 debits**** Unlimited Unlimited Unlimited $10 per debit over 6
Refunded
ATM fees
n/a Up to $9 per
statement cycle
n/a Up to $6 per
statement cycle
Up to $9 per
statement cycle*
Checks   First box wallet
topaz complimentary
One free box
wallet topaz
per year
Statements E-statements***
($3 fee will be waived
once signed up) ****
E-statements
or mailed
E-statements
or mailed
E-statements***
($3 fee will be waived
once signed up)
E-statements E-statements
or mailed
Internet
Account Access
Complimentary Complimentary Complimentary Complimentary Complimentary Complimentary
Internet
Bill Pay
Complimentary Complimentary Complimentary Complimentary Complimentary Complimentary
Overdraft
privilege
Yes Yes Yes Yes Yes

Rate Information: The Success Rewards are interest bearing accounts. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate at any time at the beginning of the statement cycle date.

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, check). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. The method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.

*Success Rewards available with these monthly activities; direct deposit, 3 online bill pay transactions, 10 signed debit card transactions, and online electronic statements. 2.00% APY (Annual Percentage Yield) paid on portions between 1 penny and $4,999.99 and 5.00% APY paid on balance portions between $5,000 — $9,999.99 each statement cycle if the account requirements are met. If the requirements are not met each cycle, the account will earn .10% APY and you will not receive the ATM refunds for that time period. Balances over $10,000 will receive .10%. Rates are subject to change. Fees may reduce earnings. Rates based on current collected account balance during the cycle.

** Service Charge based on the low account balance for the cycle.

*** Paper statements available for $3.00 a month.

**** During the statement cycle if your average collected balance is at least $2,000.00, no service charge or debit fees will apply.