Premier Checking

• $100 minimum amount to open.
• Service chargeof $10 per month.
• No service charge with an average balance of $5,000 or an aggregate of $5,000 in any other PointBank account(s) with the same ownership.

Premier Plus Checking

• $100 minimum amount to open.
• Service charge of $15 per month.
• Noservice charge with an average balance of $10,000 or an aggregate of $10,000 in any other PointBank account(s) with the same ownership.
• Account earns interest based upon balances.

Services received by Premier & Premier Plus Accounts:

• Unlimited check writing.
• Personal Banker assigned.
• Free bank stock wallet checks.
• Visa Check Card or ATM Card.
• Free AD&D insurance of $10,000.
• Free Cashier’s Checks.
• Free Balance inquiries by X-Press Banking.
• Free Telephone transfers by X-Press Banking.
• Notary Service.
• Free 3x5 Safe Deposit Box for first year of account (where available). Not FDIC insured.
• Premium Rates on C/D’s.
• Reduced Rates on consumer installment loans with automatic debit.

Positively Free Checking

Truncated Account

• $100 minimum amount to open for standard checking; $25 minimum to open for student checking.
• No service charge
• Unlimited Check Writing……….FREE
• Per Debit Charge……….FREE
• Per Credit Charge……….FREE
• Automated Transfers……….FREE
• Monthly Statement……….FREE
• Visa Check Card or ATM Card.
• Online banking and bill pay....FREE

Optional (per month)

• Unlimited Bank Stock Wallet Style Checks………$2.00

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Point 55+ Checking

• For ages 55 and better.
• $100 minimum amount to open.
• No service charge.
• One free box of bank stock wallet style checks per year.
• Imaged checks returned in statement.
• Unlimited check writing.
• Visa Check Card or ATM Card.

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Point Plus Checking

• $100 minimum amount to open.
• If minimum daily balance falls below $500, there is a $6 service charge per month for imaged checks returned in statement.
• Unlimited check writing.
• Visa Check Card or ATM Card.

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Now Account

• $1,500 minimum amount to open.
• If minimum daily balance falls below $1,500, there is a $7 service charge per month for non-imaged checks and a $9 service charge per month for imaged checks returned in statement.
• Variable interest rate.
• Unlimited Check Writing.
• Visa Check Card or ATM Card.

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Savings Account

• $50 minimum amount to open.
• Service chargeof $5 per month if minimum balance falls below $250.
• Account free to minors.
• Variable interest rate.
• $1 per debit charge over one (1) per month.

Transaction limits apply. Under federal regulations, you are allowed up to six-pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail or at PointBank. However, you will be charged a $1 per debit charge over (1) per month.

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Piggy Pal Savings

Get your children interested in saving with our Piggy Pal savings account. Open an account and receive a piggy bank as our gift. When you bring back a full piggy bank to deposit, your child gets to pick a prize as a reward for their savings accomplishment.

• $25.00 minimum to open
• For children ages 12 and under
• FREE.....no account fees
• Variable interest rate

Transaction limits apply. Under federal regulations, you are allowed up to six-pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail or at PointBank.

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Money Market Bonus Account

• $2,500 minimum amount to open.
• Maintenance fee of $10 per month if minimum balance falls below $2,500.
• $12 per debit charge over six (6) per month.
• No more than three (3) third party checks per month.
• Variable interest rate.

Transaction limits apply. Under federal regulations, you are allowed up to six-pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail or at PointBank.

Commercial Checking

• $100 minimum amount to open.
• $7 monthly maintenance fee.
• $.15 per check/account debit.
• $.15 per deposit/account credit.
• $.07 per deposited item.
• Imaged checks returned in statement.

Other Fees assessed when activity is requested or incurred. See Fee Schedule for normal charges.

• No maintenance fee if Earnings Credit calculation exceeds the activity charges based on your transactions.
• When activity charges exceed the Earnings Credit calculations, your account will be charged the net difference.

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Commercial NOW Account

Regulations prohibit “partnerships” and “for-profit corporations” from holding NOW accounts.

• $2,500 minimum amount to open.
• $7 monthly maintenance fee..
• $.15 per check/account dDebit.
• $.15 per deposit/account credit.
• $.07 per deposited item.
• Imaged checks returned in statement.
• Variable Interest Rate.

Other Fees assessed when activity is requested or incurred. See Fee Schedule for normal charges.

• No maintenance fee if Earnings Credit calculation exceeds the activity charges based on your transactions.
• When activity charges exceed the Earnings Credit calculations, your account will be charged the net difference.

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Free Small Business Checking

• $100 minimum amount to open.
• Maintenance fee ……….FREE
• Up to 300 total transactions……….FREE*
• No minimum balance requirements.
• Check images returned in monthly statement.

Other Fees assessed when activity is requested or incurred. See Fee Schedule for normal charges.

* Free Small Business Checking includes up to 300 transactions per monthly statement cycle, including debits, credits and items deposited. All transactions above these limits incur $.25 fee per transaction.

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Commercial Savings Account

• $50 minimum amount to open.
• Maintenance fee of $5 per month if minimum balance falls below $250.
• Variable Interest Rate.
• $1 per debit charge over one (1) per month.

Transaction limits apply. Under federal regulations, you are allowed up to six pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail or at PointBank. However, you will be charged a $1 per debit charge over (1) per month.

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Commercial Money Market Bonus Account

• $2,500 minimum amount to open.
• Maintenance fee of $10 per month if minimum balance falls below $2,500.
• $12 per debit charge over six (6) per month.
• No more than three (3) third party checks per month.
• Variable interest rate.

Transaction limits apply. Under federal regulations, you are allowed up to six pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail or at PointBank.

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Positively Free Non-Profit

Commercial Checking Account

• $100 minimum amount to open.
• Maintenance fee ……….FREE
• No minimum balance requirements.
• Check images with monthly statement.

Other Fees assessed when activity is requested or incurred. See Fee Schedule for normal charges.

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