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 5¢ per item deposited, excluding ACH debits and credits	$5 unless you maintain monthly electronic direct deposit	$1.00 per check if you exceed five checks per statement period	N/A
Special Features	Your account will receive an earnings credit to defray the monthly service charges⁴	Unlimited check writing	Free online banking Free electronic bill pay No foreign ATM fees³ eStatements required	Debit Card No foreign ATM fees³ First order of specialty blue checks One service charge refund
Minimum Opening Deposit	$25	$25	$100	$25
Monthly Online Bill Pay Fee	$6.95³	$5.95	$0.00	$0.00⁵

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.⁴	Standard or Tiered money market account with limited check writing. Higher interest rate with higher balances.⁴
Balance To Avoid Monthly Service Charge	$500 average daily balance	$500 average daily balance	$2,500 average daily balance¹ $10,000 average daily balance²
Monthly Service Charge	$3 unless you maintain the average daily balance	$3, plus 15¢ per item paid, excluding ACH debits* No interest paid*	$3 per month¹* $10 per month²* 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 interest⁴ Unlimited check writing	Market based interest rates⁴ Six transfers per statement cycle Unlimited withdrawls in person, by mail, messenger or ATM
Minimum Opening Deposit	$100	$500	$2,500¹ $10,000²
Monthly Online Bill Pay Fee	$5.95	$5.95	$5.95¹
1. Standard money market account 2. Tiered Money Market Account 3. Other bank surcharges may apply 4. For current rate information, call us at (518)370-7200 or visit the interest rate page 5. Must be 18 to enroll. * Unless you maintain the average daily balance