|Product Information||Select Personal Money Market||Select Personal Savings||SelfcareHSA Health Savings Account||Select Individual Retirement Account (CD)||Select Personal Freedom Time Account Regular (CD)|
|Monthly Service Charge3||$10||$2||$5||No charge||No charge|
|How To Avoid Monthly|
|See below1||Maintain an Average Daily Balance2 of $200 or more each month.||Monthly service charge waived for maintaining a minimum daily balance of $2,000 or more or $5,000 Average Daily Balance2 or more each month.|
*Call us about employer sponsored discounts
|Not applicable||Not applicable|
|Minimum Balance to Open||$100||$100||$0||$500||$500|
|Features and Account Benefits||Pays Interewst, Online Banking, Bill Pay, eStatements||Pays Interest, Online Banking||Pays Interest, Online Banking, Check Writing, Debit Card||Unlimited Deposits Available, Online Banking Access||Unlimited Deposits Available, Online Banking|
|Transaction Restrictions and Limitations||Regulations prohibit no more than six (6)3 withdrawals or electronic transfers per month||Regulations prohibit no more than six (6)3 withdrawals or electronic transfers per month||SelfcareHSA terms and conditions apply.||Substantial penalty for early withdrawal terms and conditions may apply. Tax implications may apply4||Substantial penalty for early withdrawal after one penalty-free withdrawal during each term|
Refer to Account Terms and Conditions
1. Monthly service charge waived for maintaining an Average Daily Balance of $2,500 or more, or a Combined Average Daily Balance of $10,000 or more each month.
2. Average Daily Balance: The Average Daily Balance is calculated by adding the principal in the account for each day of the month and dividing that figure by the number of days in the month.
3. Six (6) covered transactions per calendar month (including preauthorized debits, online banking transfers, payments to 3rd parties, telephone transfers, and point of sale transactions).
4. Tax Implications: Please consult a professional tax specialist for IRS rules governing Individual Retirement Accounts, including differences between Traditional IRA and Roth IRA tax treatments and IRS penalties on funds withdrawn from IRAs.