Personal: Checking: Comparison Chart

Checking Account Options and Requirements (Table 1)
	Basic Checking	Free Checking	e-Checking	Student Checking
Description	The ideal budget account with no minimum balance requirements Pay a modest per check fee and low monthly maintenance fee	An account with no fees when you maintain a monthly electronic deposit	Designed to handle majority of transactions electronically	Checking account for high school and college students 16 and older
Balance To Avoid Monthly Service Charge	N/A	N/A	N/A	N/A
Monthly Service Charge	$1 monthly statement charge .10 per item paid .05 per item deposited	$5 unless you maintain monthly electronic direct deposit	$1.00 per check if exceed, five checks per statement period	N/A
Special Features	Your account will receive an earnings credit used towards defraying the monthly service charges [6]	Unlimited check writing	Free online banking Free electronic bill pay No foreign ATM fees[4] e-Statements required	Debit Card No foreign ATM fees[4] Free first order of "1st" checks One service charge refund
Minimum Opening Deposit	$25	$25	$100	$25
Monthly Online Bill Pay Fee	$6.95[3]	$5.95	$0.00	$0.00[5]

Checking Account Options and Requirements (Table 2)
	Preferred Checking	NOW Checking	Money-Market Checking
Description	An account with no fees when you maintain an average daily balance	An account with no fees and interest paid when you maintain an average daily balance	Standard[1] or Tiered[2] money market account with limited check writing Higher interest rates with higher balances[6]
Balance To Avoid Monthly Service Charge	$500 average daily balance	$500 average daily balance	$2,500 average daily balance[1] $10,000 average daily balance[2]
Monthly Service Charge	$3 unless you maintain the average daily balance	$3, plus .15 per item paid* No interest paid*	$3 per month[1] $10 per month[2] No interest paid*
Special Features	Ability to maintain average daily balance in your checking or linked savings account Unlimited check writing	By maintaining an average daily balance, your account will receive a competitive rate of interest[6] Unlimited check writing	Market based interest rates[6] Six transfers per statement cycle. Unlimited withdrawls in person
Minimum Opening Deposit	$100	$500	$2,500[1] $10,000[2]
Monthly Online Bill Pay Fee	$5.95	$5.95	$5.95[1]
1. Standard money market account 2. Tiered Money Market Account 3. Plus a $3.00 one time set-up charge. 4. Other bank surcharges may apply. 5. Must be 18 to enroll. 6. For current rate information, call us at (518)370-7200 or visit our website at www.firstscotia.com. * Unless you maintain the average daily balance