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* The Average Available (collected) Balance is calculated by adding the available principal balance in the account for each day of the period and dividing that figure by the number of days in the period. The available balance is the account balance, less unpaid deposited items drawn on other financial institutions in the process of collection. For current rate information please E-mail us or contact a Personal Banker at one of our branches.

**Account earns credit which may be applied to item charges. The earning credit will be based on a minimum calculation of 80% of the 91-day T-Bill Bank Discount Rate. The rate may be subject to change monthly on the account. Calculated on the Average Available (collected) Balance during statement cycle, less a balance reserve requirement of 10%

Important Information about Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person or business that opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that allows us to identify you. We may also ask to see your driver’s license or other identifying documents.