Compare Deposit Accounts

	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Personal Checking Accounts
	idLOCK PLUS	idLOCK STANDARD	idLOCK SENIOR*	idLOCK INTEREST	Basic Checking	Fresh Start Checking	Fresh Start Basic
Minimum Balance to Open	$50	$50	$50	$50	$50	$50	$50
Monthly Fee	$7	$4	$4	$5	$0	$8.95	$8.95
Discount for monthly Direct Deposit	n/a	n/a	n/a	n/a	n/a	$2	$2
Minimum Balance to Avoid Fee	$25,000	n/a	n/a	$15,000	n/a	n/a	n/a
Unlimited Check Writing							n/a
Free Basic Checks / 50% Other		n/a		n/a	n/a	n/a	n/a
E-Statement
Paper Statement					$2	$2	$2
No Fee Cashier's Checks		n/a	n/a	n/a	n/a	n/a	n/a
Free Online Banking							limited¹
Free Online Bill Pay							n/a
Free Mobile Banking							limited¹
Free Text Message Banking**
Free Debit Card
Free Non-JVB ATM Transactions	4/month	n/a	n/a	n/a	n/a	n/a	n/a
Minimum Balance to Earn Interest	$25,000	n/a	n/a	$2,500	n/a	n/a	n/a
Interest Paid		n/a	n/a		n/a	n/a	n/a
Tiered Interest Paid	n/a	n/a	n/a		n/a	n/a	n/a
Free Standard PopMoneyTransfers					n/a	n/a	n/a
Free External Funds Transfer	2/month	n/a	n/a	n/a	n/a	n/a	n/a
Free Overdraft Transfers		n/a	n/a	n/a	n/a	n/a	n/a
Free Debit Card Replacement		n/a	n/a	n/a	n/a	n/a	n/a
	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure

* Seniors age 55+ ** Your mobile carrier may charge a fee for text messages. ¹See Fresh Start Banking Page for details.

	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Savings & Money Market Accounts
	Statement Savings Account	Kids Savings	Regular Money Market Deposit Account	Indexed Money Market Deposit Account	Holiday Club	Growth CD	Health Savings Account
Minimum Balance to Open	$100	$0.01	$1,000	$1,000	$0	$100	$100
Monthly Fee	$5	$5*	$8	$12	n/a	n/a
Minimum Balance to Avoid Fee	$100	$100*	$1,000	$5,000	n/a	n/a
E-Statement
Paper Statement
Free Online Banking
Free Online Bill Pay
Free Mobile Banking
Free Text Message Banking**
Free Debit/ATM Card
Minimum Balance to Earn Interest	$0.01	$0.01	$1,000	$1,000	$0.01	$100	$0.01
Interest Paid
Tiered Interest Paid
	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure

*Monthly fee of $5 is waived for 12 months from the date of account opening.

	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Non-Personal
	CHOICE^♦ Business Checking	PREFERRED^♦♦ Business Checking	PREMIER^♦♦ Business Checking	EXECUTIVE Business Checking¤	Non-Personal Interest Checking	Non-Profit Organizations, Estates and Associations	Non-Personal Money Market Account	Non-Personal Indexed Money Market Account	Business Statement Savings	Public Funds Checking
Minimum Balance to Open	$50	$200	$500	¤	$1,000	$50	$1,000	$1,000	$100	$50
Monthly Fee	$2	$7	$10	¤	$8	$0	$8	$12	$5	$0
Minimum Balance to Avoid Fee	n/a	$2500	$5000	¤	$1,000	$0	$1,000	$5,000	$100	$0
Number Items Free/statement cycle	50^♦	200 ^♦♦	400 ^♦♦	¤	unlimited	unlimited	unlimited in-person/6 pre-authorized	unlimited in-person/6 pre-authorized	unlimited in-person/6 pre-authorized	unlimited
Unlimited Check Writing				¤
E-Statement				¤
Paper Statement	$2			¤
Online/ Mobile Banking				¤
Online Banking - ACH/Wires		$15/month*	$15/month*	¤	$15/month*	$15/month*	$15/month*	$15/month*	$15/month*	$15/month*
Online Bill Pay				¤
Mobile Deposit^#		coming 2019	coming 2019	¤
Free Debit/ATM Card				¤
Minimum Balance to Earn Interest					$0.01		$0.01	$0.01	$0.01
Interest Paid
Tiered Interest Paid

*One monthly fee per business online account owner, not per deposit account. ^#Mobile Deposit Limits: $1500 per item; $3000 per day; $12,000 per rolling 30-day period ^♦Free items per statement cycle includes checks cleared, all items deposited in-person/ATM/mobile, ACH, OTC Withdrawals ^♦♦Free items per statement cycle includes checks cleared, checks deposited in-person or ATM, ACH, OTC Withdrawals. ¤Executive checking is a customized program tailor-made for each specific business. Please stop in and speak to any of our customer service representatives for details.