SAVINGS

MONEY MARKET ACCOUNT

• Minimum balance to open account is $100
• Interest Bearing Account (Call Bank for rates)
• A service charge fee of $3.00* will be imposed for the monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00
• 4 Free ATM withdrawals per statement cycle, after the account exceeds four free, you will be charged $1.00* each (for withdrawal 5-10 per statement cycle) and $1.25* each for (for withdrawals 11 or more per statement cycle)
• Transfers from Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card, or similar order to third parties.

SAVINGS ACCOUNT

• Minimum balance to open account is $100
• No minimum balance required for customers 18 years of age or younger.
• A service charge fee of $5.00* will be imposed each quarter if the average daily balance for the quarter falls below $100.00. This fee will not apply to customers 18 years of age or younger.
• Interest Bearing Account (Call Bank for rates)
• Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
• A per item fee of $1.00* will be charged for each debit transaction in excess of 18 during a quarterly statement cycle. This fee will not apply to customers 18 years of age or younger.
• ATM transaction fee of $1.25 will be charged for each ATM withdrawal

KIDS TREASURE CHEST ACCOUNT

• Interest Bearing Account (Call Bank for rates)
• Transfers from Kids Treasure Chest account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

CHRISTMAS CLUB SAVINGS ACCOUNT

• You must deposit $1.00 to open this account
• Interest Bearing Account (Call Bank for rates)
• Your account will mature on the second Tuesday of each November
• This account will automatically renew at maturity

*Iowa state sales tax will be assessed to this fee