A perfect savings account for those customers who want to determine their own rates of return. The higher the daily balance, the greater the APY. Ideal for customers with greater funds available for deposit, yet require the convenience of being able to make withdrawals at any time.

Features and Requirements Include: Complete asset liquidity Higher APY based on daily balance Free monthly statements $5 service fee if daily balance falls below $1,000 Maximum of six transfers per month $1,000 minimum opening deposit Free online banking

Minimum Balance Interest Rate APY Rate $0.01 - $24,999.00 0.150% 0.150% $25,000.00 - $49,999.00 0.200% 0.200% $50,000.00 0.300% 0.300%   Rates subject to change without notice. **Annual Percentage Yield accurate as of 7/19/2010