Personal Savings Accounts
INVESTORS SAVINGS B
|MONEY MARKET A,B|
|Withdrawals/Transfers||6 FREE withdrawals or transfers per quarter (After 6 transactions, an Excess Debit Fee of $2 per transaction will be charged.)||6 FREE Withdrawals or transfers per cycle (After 6 transactions, an Excess Debit Free of $2 per transaction will be charged.)||Limited to 6 withdrawals or transfers per cycle (An excess debit fee of $15 per item will be charged if more than 6 withdrawals/transfers are made) Unlimited cash/ATM withdrawals may be made in person|
|Statements||Quarterly Imaged Statements||Quarterly Imaged Statements||Monthly Imaged Statements|
|ATM/Visa Debit Card
(Subject to Credit Approval)
|N/A||FREE ATM card onlyC||FREEC|
|Minimum Opening Balance||$25||$100||$1,000|
|Service Charge||N/A||$1.95 monthly||$9.95 monthly|
|Minimum Daily Balance to Avoid Service Charge||N/A||$300 (If daily balance falls below this amount, no interest is accrued for that day.)||$1,000 (If daily balance falls below this amount, no interest is accrued for that day.)|
|Interest Computing and Crediting Method||Daily balance method on collected balances. Interest credited quarterly.||Daily balance method on collected balances. Interest credited quarterly.||Daily balance method on collected balances. Interest credited monthly|
|Additional Information||For young investors under 18. Parent or guardian required as a signer on the account. At age 18, account will convert to Traditional Savings fees and benefits||N/A||Tiered Interest Rates provide higher rates for higher balances.|
|1 e-Statements require online banking. Otherwise, you will receive Image Statements for $3.
2 Sign up for online banking and Bill Pay at www.traditionbank.com. Mobile banking requires online access.
3 Minimum of 5 bills paid per month otherwise $5.95 per month after the first 90 days.
4 Overdraft Advantage program requires 'eligible' accounts. Everyday overdraft ATM/debit card transactions require opting-in. $35 overdraft fee per item paid. $175 maximum per day.
A To avoid the service charge, you must maintain a balance at or above the minimum daily balance required every day of the cycle.
B By Federal Law, savings accounts are limited to 6 withdrawals/transfers per cycle by pre-authorized or automatic transfer, telephone (including data transmission) agreement/order/instruction, check,draft, debit card or similar order (including POS transactions). Excessive transactions are subject to fees and may result in account closure or conversion.
C • VISA Debit Cards available subject to credit approval.
• No charge for using Tradition Bank ATMs.
• ATM card and VISA Debit Card may not be supported outside the U.S.
• Contact Tradition Bank for access