Hi-Fi Accounts

A Hi-Fi deposit account may be right for you if you have a larger sum of money and want to earn a higher

rate of interest, but would need minimal access by check.
 

• Interest-bearing account with interest compounded and credited monthly
• We may change the interest rate of this account at any time
• Minimum balance to open is $2,500.00
• You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain
  the disclosed annual percentage yield

• You may make an unlimited number of deposits into your account
• Withdrawal fee of $1.00 will be charged for each debit transaction
• An excessive transaction fee of $10.00 will be charged for each transaction in excess of six during a statement cycle
• If you close your account before interest is paid, you will not receive the accrued interest
• Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the
  account each day
• Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your
  account
• Transfers from a HI-FI account to another account or to third parties by preauthorized, automatic, telephone, or
  Internet transfer are limited to six per statement cycle
• Monthly image statement by mail
• Free direct deposit
• Unlimited use of Touch Tone Teller
• Unlimited Internet Banking access
   

Additional Terms - The following additional terms apply to this account:  PAYMENT ORDER OF ITEMS -
The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist
you in handling your account with us, we are providing you with the following information regarding how we
process items that you write.  When processing items drawn on your account, our policy is to pay them
according to the dollar amount.  We pay the smallest items first and internal checks before third party checks.
The order in which items are paid is important if there is not enough money in your account to pay all of the
items that are presented.  Our payment policy minimizes the number of items that may result in an overdraft
or NSF fee.  If an item is presented without sufficient funds in your account to pay it, we may, at our discretion,
pay the item (creating an overdraft) or return the item (NSF).  The amounts of the overdraft and NSF fees are
disclosed elsewhere.  We encourage you to keep accurate records and practice good account management.
This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

                                    Member FDIC