MAIN STREET CHECKING ACCOUNT DISCLOSURE

MAIN STREET CHECKING ACCOUNT DISCLOSURE OF ACCOUNT TERMS

Please refer to the MAIN STREET CHECKING ACCOUNT BROCHURE for details concerning the many benefits of becoming a MAIN STREET CHECKING member.

The minimum deposit required to open this account is $100.00.

SERVICE CHARGES

MAIN STREET CHECKING 55

STANDARD PLAN

No fee will be charged if you maintain a minimum daily balance of $100.00 or more. If your daily balance drops below $100.00 anytime during the statement period, a service charge of $5.00 will be applied.

FAMILY PLAN

A fee of $2.00 will be charged if you maintain a minimum daily balance of $100.00 or more. If your daily balance drops below $100.00 anytime during the statement period, a service charge of $7.00 will be applied.

REGULAR MAIN STREET CHECKING

STANDARD PLAN

Each statement period that you maintain an average daily balance of $400.00 or more, your service charge will be $4.00. If your average daily balance is below $400.00, your service charge will be $7.50.

FAMILY PLAN

Each statement period that you maintain an average daily balance of $400.00 or more, your service charge will be $6.00. If your average daily balance is below $400.00, our service charge will be $9.50.

PERSONALIZED CHECKS

Specialty mint checks printed by Deluxe Check Printers will be supplied to you free of charge. Limit of 2 free boxes per year. Other checks offered by Deluxe may be purchased at a $5.00 discount of the regular price. Prices will vary depending on style of checks ordered.

OTHER CHARGES THAT MAY APPLY

Return Item: $20.00 per check or electronic withdrawal drawn against insufficient funds.

Overdraft Service: $20.00 per check, in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds.

Stop Payment Charge: $ 20.00 per check

Account Monitoring: $25.00 per month

Money Order Fee:$2.00 per check

Cashiers Check Fee: $4.00 per check

Incoming Wire: Free

Outgoing Wire Fee: $15.00

International Wire Fee: $60.00

Collection Item Fee: $ 20.00 (or actual cost)

Canadian Check: $15.00 

Special Statement Request: $ 2.00

Research Fee: $35.00 per hour

Notary Fee: Free

Garnishments or Levies: $25.00

ATM or Debit Card Replacement: $5.00

Cash Management: $5.00 per transfer

We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff.

************ACCIDENTAL DEATH INSURANCE DISCLOSURE************

Accidental Death Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among owners of joint accounts. The insurance is: *NOT A DEPOSIT *NOT FDIC-INSURED *NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY *NOT GUARANTEED BY THE BANK *MAY GO DOWN IN VALUE

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