Products

CHECKING ACCOUNTS

Regular Checking
Direct Deposit Checking
Interest Bearing (NOW) Account
Money Market Checking
Golden Advantage Checking
Student Checking


This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. For current rate information call (775) 753-3800 or toll free (877) 226-5482.

REGULAR CHECKING
This is a non-interest-bearing checking account, which offers unlimited check writing.

Limitations: You must deposit $100.00 to open this account.

Account Fees: The monthly service charge is $6.00. If you maintain a balance of at least $300.00, the service charge is waived.

DIRECT DEPOSIT CHECKING
This is a non-interest bearing checking account set up to receive EFT (direct/ACH) deposits, with no monthly service charge.

Account Fees: There is no monthly service charge as long as the account is maintained satisfactorily. Your first order of checks will be provided by the Bank.

INTEREST BEARING (NOW) ACCOUNT
Interest bearing checking account, available to qualified depositors. Unlimited check-writing and interest paid monthly at a rate determined by bank management.

Balance Information: The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account.

Account Fees: There is a service charge of $10.00 per statement cycle if the daily balance drops below $1500.00.

MONEY MARKET CHECKING
This is a limited transaction interest bearing checking account. Interest is paid monthly at a rate determined by bank management.

Balance Information: The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $2500.00 to open this account. You may make six (6) transfers from your account each statement cycle period, but only three (3) may be payments by check to third parties.

Account Fees: If you maintain a daily balance of $2500.00 or more, the $10.00 monthly service charge will be waived. There is a $5.00 'excessive withdrawal fee'.

GOLDEN ADVANTAGE CHECKING
This is a non-interest-bearing checking account which offers unlimited check writing, with no service charge. The only requirement is that the account holder must be 55 years old or older.

Limitations: You must deposit $100.00 to open this account.

STUDENT CHECKING
This checking account is geared toward the depositor who is a full-time student. There is no monthly service charge, however, some restrictions do apply.

Limitations: A $100.00 minimum deposit is required to open the account.

Account Fees: Although there is no monthly service charge, there is a per item charge of $.20 per check, beginning with the 25^th check per statement cycle.