The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about.
Please take note of the rate information and the Bank's Service Fee Schedule to see about additional account fees.
PERSONAL INTEREST CHECKING
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account
You must deposit $100.00 to open the account.
Minimum balance to avoid the imposition of fees
A service fee of $8.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $100.00 in the account to obtain the disclosed annual percentage yield.
Average daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
PERSONAL FREE CHECKING
Minimum balance to open the account
You must deposit $100.00 to open the account.
No minimum daily balance required
No monthly maintenance fee
NonInterest bearing account
NONINTEREST CHECKING (T/A, NonProfits)
Minimum balance to open the account
You must deposit $100.00 to open the account.
No minimum daily balance required
No monthly maintenance fee
IOLTA
Variable Rate Account
Your interest rate and annual percentage yield may change.
Frequency of Rate Change
We may change the interest rate on your account at any time.
Determination of Rate
At our discretion, we may change the interest rate on your account.
Compounding and Crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account: You must deposit $500.00 to open the account.
No monthly maintenance fee
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum average daily balance of $100.00 in the account to obtain the disclosed annual percentage yield.
Average daily balance computation method: We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of Interest on NonCash Deposits: Interest begins to accrue on the business day you deposit the items (for example, checks). If this account is used as an IOLTA Attorney Trust Account, then Interest (less applicable fees and service charges) will be sent to the Maryland Legal Service Corporation.
BUSINESS CHECKING
Minimum balance to open the account
You must deposit $500.00 to open the account
Minimum balance to avoid the imposition of fees
A service fee of $15.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $3,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Excess item fee
50 free transactions per statement including ACH credits, ACH debits, deposits, and checks paid. Over 50 transactions per statement will result in an excess item fee of 25 cents per item.
NonInterest bearing account
Miscellaneous fees apply
Refer to our current fee schedule.
SMALL BUSINESS CHECKING
Minimum balance to open the account
You must deposit $1,000.00 to open the account
Minimum balance to avoid the imposition of fees
A service fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
NonInterest bearing account
BUSINESS INTEREST CHECKING
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account
You must deposit $5,000.00 to open the account.
Minimum balance to avoid the imposition of fees
A service fee of $15.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $5,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $5,000.00 in the account to obtain the disclosed annual percentage yield.
Average daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
COMMERCIAL CHECKING
Minimum balance to open the account
You must deposit $500.00 to open the account
No minimum daily balance required
Monthly service charge
A $35.00 per month service charge will be imposed on this account with no separate charges for transaction volume.
Noninterest bearing account
MONEY MARKET DEPOSIT ACCOUNT
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Tier levels and their applicable interest rates
The interest rate to be paid on your account will depend on the average daily balance in your account. The separate “tiers” that have varying interest rates
that apply are:
 Less than $100.00: no interest will be paid on the entire balance in your account
 $100.00 or more, but less than $2,500.00: the entire balance in your account will earn the same rate as a NOW checking account.
 $2,500.00 or more, but less than $10,000.00: see current rate schedule
 $10, 000.00 or more, but less than $25,000.00: see current rate schedule
 $25, 000.00 or more, but less than $50,000.00: see current rate schedule
 $50,000.00 or more: see current rate schedule
Minimum balance to open the account
You must deposit $2,500.00 to open the account.
Minimum balance to avoid the imposition of fees
You may be charged fees for exceeding the transaction limitations.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield.
Average daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Transaction limitations
You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order of instructions or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Fees
An excessive usage fee of $10.00 will be charged for each preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
STATEMENT SAVINGS ACCOUNT
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account
You must deposit $50.00 to open the account.
Minimum balance to avoid the imposition of fees
A service fee of $5.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $50.00. The average daily balance is
calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $50.00 to obtain the disclosed annual percentage yield.
Average daily balance computation method
We use the average daily balance method to calculate interest on your account.
This method applies a periodic rate to the average daily balance in the account for the period.
The average daily balance is calculated by adding the principal in the account for each day of the period
and dividing that figure by the number of days in the period.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks)
Transaction limitations
You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order of instructions or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
CHRISTMAS CLUB ACCOUNT
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account quarterly.
Minimum balance to open the account
You must deposit $5.00 to open the account.
Minimum balance to avoid the imposition of fees
An annual fee of $3.00 will be imposed if the balance in your account fails to reach $250.00 prior to the maturity date of the club.
Maximum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield.
Average daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on noncash deposits
Interest begins to accrue
on the business day you deposit the items (for example, checks).
Effects of closing an account
If you withdraw from your account prior to maturity, the account will be closed and will be charged a noncompliant fee of $20.00.
CERTIFICATE OF DEPOSIT
Fixed rate account
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect until the maturity date of the certificate.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account
You must deposit $1,000.00 to open the account.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,000.00 in the account to obtain the disclosed annual percentage yield.
Daily balance computation method
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Transaction limitations
You may not make additional deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.
Early withdrawal penalty
We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the penalty is as follows:
Certificate Term 
Withdrawal Penalty 
Less than 1 year 
3 months interest 
1 Year or longer 
6 months interest 
Withdrawal of interest prior to maturity
The annual percentage yield disclosed in the rate section assumes the interest will remain on the deposit until maturity. Any withdrawals will reduce earnings.
Renewal of account
This account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds without being charged a penalty. Please refer to your Certificate of Deposit renewal section for more information.
BUMPUP CERTIFICATE OF DEPOSIT
Fixed rate account
The interest rate and annual percentage yield will not change for the term of the account unless the BumpUp option described is exercised. If the BumpUp option
is exercised, the interest rate shall be adjusted accordingly and remain fixed for the remaining term of the account. You may change
or “BumpUp” the interest rate only once during the original BumpUp Certificate of Deposit term.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account
You must deposit $1,000.00 to open the account.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,000.00 in the account to obtain the disclosed annual percentage yield.
Daily balance computation method
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Transaction limitations
You may not make additional deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.
Early withdrawal penalty
We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the penalty is as follows:
Certificate Term 
Withdrawal Penalty 
Less than 1 year 
3 months interest 
1 Year or longer 
6 months interest 
Withdrawal of interest prior to maturity
The annual percentage yield disposed in the rate section assumes the interest will remain on the deposit until maturity. Any withdrawals will reduce earnings.
Renewal of account
This account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds
without being charged a penalty. Please refer to your Certificate of Deposit renewal section for more information.
INDIVIDUAL RETIREMENT ACCOUNT
Certificates of Deposit (Traditional or Roth IRA CD)
Fixed rate account
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect until the maturity date of the certificate.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account monthly.
Minimum balance to open the account
You must deposit $1,000.00 to open the account.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,000.00 in the account to obtain the disclosed annual percentage yield.
Daily balance computation method
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Transaction limitations
You may not make additional deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.
Early withdrawal penalty
We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the penalty is as follows:
Certificate Term 
Withdrawal Penalty 
Less than 1 year 
3 months interest 
1 Year or longer 
6 months interest 
Withdrawal of interest prior to maturity
The annual percentage yield disclosed in the rate section assumes the interest will remain on the deposit until maturity. Any withdrawals will reduce earnings.
Renewal of account
This account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds without being charged a penalty. Please refer to your Certificate of Deposit renewal section for more information.
Special Retirement Account Provisions
If the funds deposited in the account are to open a qualified retirement account, no penalty will be imposed for any withdrawal that is made within 7 days of establishing the account. In addition to any penalty that we may impose for other early withdrawals, under certain circumstances, there may be an additional IRS penalty. See your retirement account documents for details.
STATEMENT INDIVIDUAL RETIREMENT ACCOUNT
(Traditional or Roth IRA)
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and Crediting
Interest will be compounded on a daily basis and credited to your account quarterly.
Minimum balance to open the account
You must deposit $10.00 to open the account.
Minimum balance to avoid the imposition of fees
A service fee of $3.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $10.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $10.00 to obtain the disclosed annual percentage yield.
Average daily Balance Computation Method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of Interest on NonCash Deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Special Retirement Account Provisions
If the funds deposited in the account are to open a qualified retirement account, no penalty will be imposed for any withdrawal that is made within 7 days of establishing the account.. Under certain circumstances, there may be an IRS penalty. See your retirement account documents for details.
COVERDELL EDUCATIONAL SAVINGS ACCOUNT (ESA)
Variable rate account
Your interest rate and annual percentage yield may change.
Frequency of rate change
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting
Interest will be compounded on a daily basis and credited to your account quarterly.
Minimum balance to open the account
You must deposit $5.00 to open the account.
Minimum balance to avoid the imposition of fees
You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield. The maximum contribution per designated beneficiary is $2,000.00
Average daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Special account provisions
ESAs are established in the child’s name and social security number, also known as the beneficiary. ESAs also require
the naming of a “responsible individual.” This must be a parent or guardian. The responsible individual would be the signer
of the account. The signer’s name, social security number and address would be on the account. The child would have no signing
rights. Multiple individuals can contribute (depositors) to an ESA for the same beneficiary. Depositors are also required to list
their name and social security number on the forms.
Depositors may elect for the responsible individual to continue being the responsible individual after the beneficiary reaches his or her
majority and until all funds are distributed. Annual contributions can be received up to age 18. Distributions must be completed by age
30.
BUDGET BEE SAVINGS ACCOUNT
Variable Rate Account
Your interest rate and annual percentage yield may change.
Frequency of Rate Change
We may change the interest rate on your account at any time.
Determination of Rate
At our discretion, we may change the interest rate on your account.
Compounding and Crediting
Interest will be compounded on a daily basis and credited to your account quarterly.
Minimum balance to open the account
You must deposit $5.00 to open the account.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Average daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of Interest on NonCash Deposits
Interest begins to accrue on the business day you deposit the items (for example, checks).
Transaction Limitations
You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order of instructions or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
