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Exchange Flex Checking:

¹To avoid $4 monthly service fee you must meet one of the following criteria:

• Receive monthly eStatements
• 10 point of sale Debit Card transactions posted to monthly statement
• Average daily balance of $1,000.00 per statement cycle*
• ACH Direct Deposit of $1,000.00 or greater per statement cycle
• Loan Balance of $1,000.00 or greater (Loan must have same ownership as checking account)

*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.

Exchange Rewards Checking:

Loan and Deposit must be in the same Customer Information File.

*Accounts eligible for Rewards checking include: Traditional, 50 Plus, 50 Plus Interest, Military Executive, and Interest Checking (applicable fees and minimum balance requirements)