YOUTH ACCOUNTS

• Minimum balance to open $5.

• Monthly service charges will be waived on accounts maintained by persons under the age of 18 or held for persons under the age of 18 by an adult.

• Proof of date of birth and certification required.

• Overdraft Privilege is not available on youth accounts.

• Free monthly e-mail statements.

• Free On-line Banking.

• Free Bill Payment. *

• Free Telephone Banking.

• Free ATM/Debit card.

* Free Bill Payment will be disabled after 90 days of inactivity.