FEE SCHEDULE

PERSONAL CHECKING

$6 monthly maintenance fee with check safekeeping
$8 monthly maintenance fee with check imaging
No minimum balance
$300 minimum opening balance
Monthly maintenance fee waived with a $1,500 monthly average balance

BUSINESS CHECKING

$8 monthly maintenance fee with check safekeeping
$10 monthly maintenance fee with check imaging
$.25 per check charge
$300 minimum opening balance
Monthly maintenance fees and per check charge waived for monthly average balances of $10,000 or more
     (selected business accounts may be charged on a flat fee, negotiated basis)

DIAMOND CLUB (55 and over)

No monthly maintenance fee with check safekeeping
$2 monthly maintenance fee with check imaging
No minimum monthly balance
$300 minimum opening balance
Monthly maintenance fee waived with a $1,500 monthly average balance.
No per check charge
No charge on exclusive DCB checks
Fees waived for Traveler's Checks, Official Check and Money Orders
1/2 % increase over posted CD Rates
50% discount on safe deposit boxes

NOW ACCOUNTS

$8 monthly maintenance fee with check safekeeping
$10 monthly maintenance fee with check imaging
$300 minimum opening balance
Monthly maintenance fee waived for daily minimum balances of $2,500 or more

Account disclosures are available upon request

MONEY MARKET ACCOUNTS

$6 monthly maintenance fee with check safekeeping
$8 monthly maintenance fee with check imaging
Limited to six (6) third-party checks per month
$2,500 minimum opening balance
Monthly maintenance fee waived for daily minimum balance of $5,000 or more

DESERT GOLD ACCOUNTS

$10 monthly maintenance fee
No checking privileges / no item charges
$2,500 minimum opening balance
Monthly maintenance fee waived for daily minimum balance of $2,500 or more

SAVINGS ACCOUNTS

$300 minimum opening balance
Account will be charged $10 per quarter if your daily balance falls below $300 any day of the quarter.
Account will be charged $2 per debit/withdrawal exceeding 15 (fifteen) during the quarter.

JUST FOR TEEN SAVINGS ACCOUNT

$100 minimum opening balance
Under 18 years, with parent
Account will be charged $2 per debit/withdrawal exceeding fifteen (15) during the quarter.

KIDS SAVINGS ACCOUNT

$100 minimum opening balance
Under 18 years, with parent
Account will be charged $2 per debit for each withdrawal exceeding fifteen (15) during the quarter.

OVERDRAFT PROTECTION

Savings Account
Automatic transfers from savings to cover items presented against insufficient funds in checking account.
$3 per transfer

CASH RESERVE LOAN