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Regular Checking Account
Fee Schedule
Monthly service charge if the actual daily balance drops below $500.00 during the statement cycle $5.00
Fee for stop payment of all items $30.00
Overdraft Fee
Applies to Overdrafts created by check, in-person withdrawal,  ATM withdrawal, or other electronic means, as applicable.
$30.00
Returned Item Fee  $30.00
Photocopy of a paid check $5.00
First 20 Checks are Free; Thereafter, each check costs (activity fee) $0.20
Fee of initial check printing
(Wallet Greysmoke Checks are FREE for GOLDEN CHECKING CUSTOMERS)
(Cost for check printing varies depending on the style of checks ordered.)
Actual Cost
Fee for returned third party check deposited to your account (per check) $10.00
Rate Information
There is no interest earned on this account.
A $25.00 Early Account Closing fee will be assessed if you close your account within 90 days from the opening date.
Minimum Balance Requirements
You must deposit $50.00 to open this account.
You must maintain a minimum balance of $500.00 in the account each day to avoid the monthly Service Charge. This Fee and the Activity Fee is waived if a compensating balance of $1,000.00 is maintained in a Statement Savings Account.*
Regulation E Transactions
We allow electronic check transactions to post to the customers Checking account.
Service Charges Waived Requirements
Student Checking For FULL-TIME students under the age of 22
Golden Checking Accountholder must be 55 or older to qualify. Existing accountholders who attain age 55 must notify the bank to qualify.

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Club Checking Account
Fee Schedule
Monthly service charge if the actual daily balance drops below $1,000.00 during the statement cycle $8.00
Fee for stop payment of all items $30.00
Overdraft Fee
Applies to Overdrafts created by check, in-person withdrawal,  ATM withdrawal, or other electronic means, as applicable.
$30.00
Returned Item Fee  $30.00
Photocopy of a paid check $5.00
Fee of initial check printing
(Wallet Greysmoke Checks are FREE for GOLDEN CHECKING CUSTOMERS)
(Cost for check printing varies depending on the style of checks ordered.)
Actual Cost
Fee for returned third party check deposited to your account (per check) $10.00
Rate Information
There is no interest earned on this account.
A $25.00 Early Account Closing fee will be assessed if you close your account within 90 days from the opening date.
Minimum Balance Requirements
You must deposit $50.00 to open this account.
You must maintain a minimum balance of $1,000.00 in the account each day to avoid the monthly Service Charge. This Fee is waived if a compensating balance of $2,000.00 is maintained in a Statement Savings Account.**
Regulation E Transactions
We allow electronic check transactions to post to the customers Checking account.
Service Charges Waived Requirements
Golden Checking Accountholder must be 55 or older to qualify. Existing accountholders who attain age 55 must notify the bank to qualify.

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Individual Retirement Account
Rate Information
The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
Interest for your account will be compounded quarterly and credited to your account on the last day of each quarter.
Interest begins to accrue on the business day you deposit any non-cash item (for example, checks).
Minimum Balance Requirements
You must deposit $100.00 to open this account.
You must maintain a minimum balance of $100.00 in your account every day to obtain the annual percentage yield.
You may make deposits to this account of $10.00 or more.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Fee Schedule
$50.00 Transfer fee will be assessed on all transfers out to another Financial Institution, Brokerage Firm, etc.
Early Withdrawal Penalty
If you withdraw any principal before the maturity date, a penalty equal to 90 days interest will be charged to your account if the account term is one year or less; or, a penalty equal to 180 days interest will be charged to your account if the account term is more than one year. These penalties will not apply if you have reached the age of 59 1/2.
Renewal Policy
This account will be automatically renewed, unless, at our option redeem the certificate at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged a penalty. However accrued interest during the grace period will not be paid if the account is closed.

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Statement Savings Account
Rate Information
Interest for your account will be compounded quarterly and credited to your account on the last day of each quarter.
Interest begins to accrue on the business day you deposit any non-cash item (for example, checks).
Your interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account daily. Notice of rate changes will be posted in our lobbies.
Minimum Balance Requirements
A minimum deposit of $100.00 is required to open this account.
A minimum deposit of $30.00 is required to open this account for minors and non-profit organizations.
You must maintain a minimum balance of $30.00 in your account every day to obtain the annual percentage yield listed.
Transaction Limitations
Transfers from a Statement Savings Account to another account of yours or to third parties by preauthorized, automatic, computer or telephone transfers are limited to 6 per month with no transfers by check, debit card or similar order to third parties.

We may require not less than 7 days’ notice in writing before each withdrawal from a Savings Account.
Regulation E Transactions
We allow electronic check transactions to post to the customers Savings account.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Fee Schedule
A $2.00 monthly service fee will be charged to the account if at any time during the calendar month the balance falls below $100.00. This does not apply to minors under the age of 18, non-profit organizations and voluntary associations.
A $25.00 Early Account Closing fee will be assessed if you close your account within 90 days from the opening date.
A $10.00 service charge will be assessed to your account on any returned third party check deposited to your account.

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Christmas Club Account
Rate Information
The Club Year will begin November 1 and will end with the annual maturity distribution of the account no later than October 31 of each calendar year.
Interest for your account will be compounded quarterly and credited to your account on the last day of each quarter.
Interest begins to accrue on the business day you deposit any non-cash item (for example, checks).
Your interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account daily. Notice of rate changes will be posted in our lobbies.
Minimum Balance Requirements
You must deposit $10.00 to open this account.
You must maintain a minimum balance of $10.00 in your account every day to obtain the annual percentage yield.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Transaction Limitations and Fees
No withdrawals will be permitted from this account.
We may require not less than 7 days' notice in writing before each withdrawal from a Christmas Club account.
A $10.00 service charge will be assessed to your account on any returned third party check deposited to your account.
A $25.00 early account closing fee will be assessed if you close your account before the club year ends.
Regulation E Transactions
We allow electronic check transactions to post to the customers' Christmas Club account.
Renewal Policy
This account will not be automatically renewed at maturity. At the end of the Club Year, the account balance will be completely distributed. The account will remain open for a period of 60 days (End of December each calendar year) to allow the Club member to use the same account the following year. Starting January 1 of each Calendar year new account with new account number will be issued for all Christmas Club accounts opened.

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Money Market Account
Fee Schedule
Fee for stop payment of all items $30.00
Overdraft Fee
Applies to Overdrafts created by check, in-person withdrawal,  ATM withdrawal, or other electronic means, as applicable.
$30.00
Returned Item Fee  $30.00
Check printing Actual Cost
Fee for returned third party checks deposited to your account (per check) $10.00
Rate Information
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Interest is compounded monthly and credited on the statement cycle date.
Minimum Balance Requirements
You must deposit $2,500.00 to open this account.
A minimum balance fee of $15.00 will be imposed each month if the balance in your account falls below $500.00 any day of the month.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Compounding and Crediting
Interest for your account will be compounded monthly and credited to your account on the statement cycle date.
Transaction Limitations and Fees
Transfers from a money market account to another account of yours or to third parties by means of a preauthorized, automatic, telephone, or computer or by check, draft or similar order are limited to 6 per statement cycle.

We may require not less than 7 days' notice in writing before each withdrawal from a money market account.
Accrual of Interest on Deposits Other Than Cash
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Regulation E Transactions
We the financial institution allow electronic check transactions to post to the customers Money Market Account.

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