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Checking Accounts
	Heritage Checking	Premier Checking	Traditions Checking	Liberty Checking	Texas Star Checking
Minimum to open	$1,000	$10,000	$100.00	$100.00	$100.00
Interest Paid	Interest paid on balances greater than $1,000.00	Interest paid on balances greater than $10,0000	None	None	If all requirement are met*
Interest Rate	0.50%	$10k-$25k 1.00% $25k-$50k 1.25% >$50k 1.50%	n/a	n/a	5% on balances $0-$25k and 0.50% on balance > $25k
Interest compounding schedule	Monthly	Monthly	n/a	n/a	Monthly
Monthly Service Fee	$7.50 if balance is below $1,000	$10.00 if balance is below $10,000	$8.00 if balance is <$200 $6.00 if balance is $200-$399 $4.00 if balance is $400-$599 No fee is balance >$600.00	None	$10.00 if balance is below $500.00
Transaction Fee	First 40 checks free, then .05 per item	None	First 40 checks free, then .05 per item	None	None
Transaction Limits	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Type of Statement	Regular with images	Regular with images	Regular with images	Regular without images	Estatement with images
Other Requirements					-15 debit card transactions -Direct deposit -Must enroll in online and telebank -Must have email address
Other Restrictions or Benefits					-$10.00 NSF fee -$750 per day limit for debit/credit transactions -One account per social security number

Savings Accounts
	Traditional Savings	Lil’ “Buck”aroo Savings	Money Market
Minimum to open	$100.00	$25.00	$2,500.00
Interest Paid	Interest paid on balances greater than $100.00	Interest paid on balances greater than $100.00	Interest paid on balances greater than $2,500
Interest Rate	0.75%	0.75%	1.00%
Interest compounding schedule	Quarterly	Quarterly	Monthly
Monthly Service Fee	$2.00 if balance is below $100 for a month	None	$5.00 if balance is below $2,500.00
Withdrawal Fee	1 free withdrawal per month, then $1.00 per withdrawal	1 free withdrawal per month, then $2.00 per withdrawal	None
Transaction Limits	Limit of 6 transactions; no more than 3 by check, draft, or debit/credit to 3rd party	Limit of 6 transactions; no more than 3 by check, draft, or debit/credit to 3rd party	Limit of 6 transactions; no more than 3 by check, draft, or debit/credit to 3rd party
Type of Statement	Regular	Regular	Regular

Certificate of Deposits
Requirements:	-Minimum balance to open is $1000.00 -Available to individual and commercial customers

Benefits:	-No monthly service charge -Wide range of investment terms (91 days thru 5 years) -Competitive interest rates (see rate page) -Certainty of knowing the return on your money -Higher interest rates than savings accounts

Cost:	-Penalties apply for principal withdrawal before maturity as follows: -90 days interest penalty on the amount withdrawn if term of CD is less than 1 year -180 days interest penalty on the amount withdrawn if term of CD is 1 year or longer.

Individual Retirement Accounts
Requirements:	-Minimum balance to open is $1000.00 -Available to individuals under age 70 ½ years old who have earned income

Benefits:	-No monthly service charge -Wide range of investment terms -Competitive interest rates (see rate page) -Certainty of knowing the return on your money -Earnings are tax deferred -Principal can be tax deductible

Cost:	-10% IRS penalty applies for withdrawals prior to age 50 ½. -180 days interest penalty on the amount withdrawn applies if you withdraw principal before maturity