• $100 minimum balance to open account
• $100 minimum balance to earn interest
• Variable interest rate
• Statements issued quarterly, unless on Single-Statement Banking in which case they will be issued monthly
• Images included
• Limit of 6 withdrawals per month, excess withdrawal fee of $1.00 per item after 6
• $1.00 monthly maintenance fee is assessed if average daily balance drops below $100
• Per Regulation D, during any month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, Internet/Telephone Banking or similar order. If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

• $10 minimum balance to open account for a child (under age 23)
• $100 minimum balance to earn interest
• Variable interest rate
• Statements issued quarterly, unless on Single-Statement Banking in which case they will be issued monthly
• Images included
• Limit of 6 withdrawals per month, excess withdrawal fee of $1.00 per item after 6
• Monthly maintenance fee is waived for individuals under the age of 23
• Per Regulation D, during any month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, Internet/Telephone Banking or similar order. If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

• $1,000 minimum balance to open
• $1,000 minimum balance to earn interest
• Tiered variable rate
• $5 monthly maintenance fee if average daily balance drops below $1,000
• Limit of 6 withdrawals per month
• Excess withdrawal fee of $1.00 per item after first 6 withdrawals
• Per Regulation D, during any month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, Internet/Telephone Banking or similar order. If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

A Health Savings Account (HSA) is a tax-sheltered account into which you can put money to save for future medical expenses. There are certain advantages to putting money into these accounts, including tax-free contributions, earnings and qualified withdrawals. You must have a qualifying high deductible health care plan (HDHCP) to qualify for this account.

• $50 minimum deposit to open
• $50 minimum balance to earn interest
• Tiered variable rate
• See HSA department for details on monthly maintenance fees
• Unlimited check writing and debit card use
• Image of checks returned with monthly statement
• For more information contact your local branch