Free Regular Checking 

• Free Regular Checking.
  
• Minimum balance to open is $100.00.
  
• No Service charge.

Metro Advantage (Club Account)

• Minimum to open $100.00
  
• No charge for wallet "Regal" checks.
  
• Unlimited check writing.
  
• No fee for travelers checks.
  
• Cashier Checks and Money Orders $1.00.
  
• No fee for Notary Public service.
  
• Basic Plan $9.00 per month; 10,000 accidental death insurance
  
• Optional Plan $11.00 per month; $20,000 accidental death insurance
  
• Family Plan $13.00 per month; $30,000 accidental death insurance, $2,500.00 coverage for each dependent child.

Classic Checking 

• For customers 50 or older.
  
• Minimum to open $100.00.
  
• No service charge.
  
• No minimum balance.
  
• No charge for wallet "Regal" checks.
  
• No fee for Travelers Checks, Cashiers Checks, and Money Orders.
  
• 4 free Money Orders or Cashiers Checks per Month.
  
• No charge for Notary Public service.

N.O.W. Account

• Minimum deposit to open $100.00.
  
• No service charge unless balance falls below $1,000.00.
  
• No interest paid if average daily balance falls below $1,000.00.
  
• Rate 0.75%  APY   0.75%.
  
• $10.00 Service charge if balance falls below $1000.00.
  
• If account is closed before interest is credited, no interest will be paid.

• $100.00 required to open.
  
• No service charge or minimum balance for minors.
  
• 3 withdrawals per month no charge, $1.00 for each additional withdrawal.
  
• Interest accrues for date of deposit and is paid quarterly on daily balance.
  
• Rate 1.240%  APY 1.25% .
• $5.00 Service charge if daily balance drops below $100.00.
  
• No interest paid if closed between quarters.
  
• Quarters end: March, June, September, and December.
  
• Semiannual statements.

Christmas Club Account

• $5 minimum deposit. 
  
• No withdrawals.
  
• Interest accrues from date of deposit.
  
• Check mailed middle of November for the balance plus interest earned.
  
• Rate 1.250%  APY  1.25%

Insured Money Market Deposit Accounts

• Minimum balance to open is $2,500.00.
  
• Immediate access to funds.
  
• Unlimited deposits and over the counter withdrawals.
  
• Up to six transfers at no charge.
  
• Additional transactions $2.00.
  
• Interest accrues from date of deposit.
  
• Interest is paid on average daily balance, and is credited monthly.
  
• If account is closed before interest is credited, no interest will be paid.
  
• If balance drops below $2,500 there will be a $12 service charge.
  
• Interest rate on this account is tied to wall Street prime.

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