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Emerald Bank

Personal Checking Accounts

Freedom Checking

Customer type is limited to personal. Cancelled checks or images of checks will not be returned with the monthly statement. The Bank recommends the use of duplicate (carbonized) checks. The cost of the checks will vary with the style and quanity.

Limitations: You must deposit $100.00 to open this account.

Account Fees: No monthly service charge. This account has no minimum balance requirement. Dormant Account Fee: $7.50 monthly after 12 months of no customer activity.

Presidential Checking

Customer type is limited to personal. To qualify, you must have a monthly DIRECT DEPOSIT into this account.

Limitations:You must deposit $100.00 to open this account. To qualify for this account at least one account holders payroll check must be direct deposited.

Account Fees: No monthly service charge. Dormant Account Fee: $7.50 monthly after 12 months of no customer activity.

Regular Checking

Customer type is limited to personal.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly maintenance fee of $4.00 will be charged each calendar month. A per item fee of $0.15 will be charged for each item in excess of 60 during a month. Dormant Account Fee: $7.50 monthly after 12 months of no customer activity. This account is subject to OTHER ACCOUNT FEES.

55+ Checking

This account is for customers age 55 or better.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly maintenance fee of $3.50 will be charged each calendar month. Dormant Account Fee: $7.50 monthly after 12 months of no customer activity. This account is subject to OTHER ACCOUNT FEES.

Student Checking

This account is for Full-time students between the ages of 16 and 25.

Limitations: You must deposit $100.00 to open this account.

Account Fees: No monthly service charge. This account has no minimum balance requirement. Dormant Account Fee: $7.50 monthly after 12 months of no customer activity. This account is subject to OTHER ACCOUNT FEES.

Interest Checking

Customer types allowed include Personal, Unincorporated Assn, Estate, Fiduciary, Sole Proprietorship & Trust.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You must maintain a minimum daily balance of $500.00 to receive the interest earned for the statement period.

Account Fees: A minimum balance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. Dormant Account FEE: $7.50 monthly after 12 months of no customer activity. This account is subject to OTHER ACCOUNT FEES. 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. The period we use is the monthly statement cycle.

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