Bank of the Hills - Personal Accounts

Member

Personal Accounts

FREE CHECKING "PLUS" Minimum opening deposit of $100 NO Minimum balance requirement Unlimited checking and other withdrawals NO per item charge 1st order of 50 duplicate checks FREE Detailed monthly statement Truncated checks	NO monthly activity service charge
DIRECT CHECKING Minimum opening deposit of $100 NO minimum balance requirement Must have monthly direct deposit of at least $100 1st order of 50 checks FREE Detailed monthly statement, including the return of your canceled checks No charge for the first twenty-five debits** per month, with additional debits at $.50 each	NO monthly activity service charge
CLASSIC CHECKING Minimum opening deposit of $100 Unlimited check writing 1st order of 50 checks FREE Detailed monthly statement, including the return of your canceled checks	$10.00 monthly activity service charge if balance falls below $700.
INTEREST CHECKING Minimum opening deposit of $100 Earn competitive interest rates on your collected balance Unlimited check writing 1st order of 50 checks FREE Detailed monthly statement, including the return of your canceled checks	$10.00 monthly activity service charge if balance falls below $1,500.
PREMIER CHECKING Minimum opening deposit of $10,000 Combined Balance* Earn competitive interest rates on your collected balance Unlimited check writing Free bank stock checks Detailed monthly statement, including the return of your canceled checks Free Cashiers Checks, Money Orders and Travelers Checks (single signature only)	$10.00 monthly activity service charge if Combined Balance falls below $10,000.*
MONEY MARKET ACCOUNT Minimum opening deposit of $1,000 Earn competitive interest rates on your collected balance Tiered interest rates based on the balance in the account 1st order of 30 checks FREE Detailed monthly statement, including the return of your canceled checks Excessive withdrawals fee - $10 (See Transaction Limitations below)	$10.00 monthly activity service charge if balance falls below $2,500.
SAVINGS Minimum opening deposit of $100 Earn competitive interest rates on your collected balance No charge for the first two debits** per month, with additional debits at $2 each Automatic transfers available from any other checking product	$2.00 monthly activity service charge if balance falls below $200.
INDEPENDENCE SAVINGS Minimum opening deposit of $10,000 Earn premium interest rates on your collected balance of $10,000 and over Premium rates fixed for at least 90 day intervals Unlimited over-the-counter deposits, withdrawals or transfers. Some transaction limits apply. Excessive withdrawal fee - $10 (see Truth In Savings Disclosure for more information) Ask a New Accounts Representative about current rates.	NO monthly activity service charge

* Maintain $10,000 in deposits in any of the following personal products: Checking, Savings, CD or Money Market.
** Debits include checks, drafts, ATM/POS debits, internal debits & electronic ACH debits.

TRANSACTION LIMITATIONS

REGARDING YOUR PERSONAL OR BUSINESS
MONEY MARKET ACCOUNT:

You may make any number of withdrawals and transfers from your Money Market account at the teller window, at the ATM or by mail. However, you may make no more than six (6) wire transfers or automatic transfers from your account during any statement period. No more than three of these transfers may be made by check, draft or debit card to third parties. These limitations are imposed by federal regulations, and transactions over the legal limit are subject to the excessive withdrawal fee.

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 who 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 will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Please refer to our Account Disclosure information for complete disclosure regarding all Bank of the Hills accounts.