This account is designed for those individuals who don't want to carry a minimum balance, but still want the advantage of a fee-free checking account that earns interest.  You also receive a no-fee ATM/VISA debit card and access to free online banking and bill paying services.

Advantages Include: No-fee ATM/VISA debit card* Free online banking and bill payment No minimum balance required Unlimited check writing privileges Same day credit 24/7 account access No-fee overdraft protection* Free checks for those customers 55 and over

Interest Rate APY** Effective Date 0.049% 0.050% 7/19/2010   NOW Accounts Rates subject to change without notice. *Subject to credit approval **Annual Percentage Yield accurate as of 7/19/2010