Business Banking

CHECKING ACCOUNT OPTIONS

NON INTEREST BEARING ACCOUNTS

FREE CHECKING

• No Minimum Balance Required
• No Monthly Service Charge
• Monthly Statement Provided
• Safekeeping of Checks
• Unlimited Check Writing
• First Order of Checks Are Provided FREE For Opening A New Checking Account

REGULAR CHECKING

• No Minimum Balance Required
• $5.00 Monthly Service Charge Per Statement Cycle
• Imaged Checks Provided In Monthly Statement
• Unlimited Check Writing

SUPER CHECKING

• Minimum Balance $300
• $5.00 Service Fee Per Cycle If Account Is Below Minimum At Any Time During Statement Cycle
• Imaged Checks Provided In Monthly Statement

CLASSIC CHECKING

• No Minimum Balance Required
• No Monthly Service Charge
• $5.00 Monthly Club Fee
• Imaged Checks Provided in Monthly Statement
• Unlimited Check Writing
• Free Bank Logo Checks
• Added Club Privileges, Banking Services, Credit Card Registration, Life Insurance

GOLD CLASSIC CHECKING

• Reserved For A Select Group 55 Years Of Age And Over
• All The Benefits and Conditions of Classic Checking
• $3.00 Monthly Club Fee Gold Classic Checking

NOW ACCOUNTS: INTEREST BEARING ACCOUNTS

• Interest Is Compounded Monthly and paid on the average daily balance on the following accounts
• Annual Percentage Yield (APY) Subject To Change At Any Time.

NOW CHECKING

• Minimum Balance of $750
• $8.00 Service Fee Per Account Cycle If Account Is Below Minimum At Any Time During Statement
• Unlimited Check Writing
• Imaged Checks Provided In Monthly Statement

NOW CLASSIC CHECKING

• Minimum Balance of $750
• $5.00 Monthly Club Fee
• Unlimited Check Writing
• Free Bank Logo Checks
• Imaged Checks Provided In Monthly Statement
• Added Club Privileges, Banking Services, Credit Card Registration And Insurance Protection
• $8.00 Service Fee Per Account Cycle If Account Is Below Minimum At Any Time During Statement

NOW GOLD CLASSIC CHECKING

• Reserved For A Select Group 55 Years Of Age And Over
• All The Benefits and Conditions of NOW Classic Checking
• $3.00 Monthly Club Fee

*All Checking Accounts Provide Internet Banking and Debit Card At No Additional Charge

Savings Account Options

PASSBOOK SAVINGS

• No Minimum Balance Required
• No Monthly Service Charge
• Interest Compounded Daily, Credited Quarterly

RED RIVER INVESTMENT

• $1,000 Minimum Balance Required
• Interest Compounded Monthly, Credited Monthly
• You may only make 6 preauthorized transfers from your account each statement cycle. After the sixth withdrawl, there is a $2.50 Service Charge per withdrawl.

BUSINESS MONEY MARKET

• $35,000 Minimum Balance Required
• Interest Compounded Monthly, Credited Monthly
• You may only make 6 preauthorized transfers from your account each statement cycle. After the sixth withdrawl, there is a $2.50 Service Charge per withdrawl.