Account Benefit Comparison
	Free	Smart	Golden	Basic	Business
	Checking	Club	Choice Club	Checking	Checking
Monthly Service Charge	None	$5.00	$4.00	$8.00 *	$8.00 *
First Order of Checks Free to All	•	•	•
Free Internet Banking Access (w/Approval)	•	•	•	•	•
Free 24/7 Telephone Banking	•	•	•	•	•
Free Notary Service	•	•	•	•	•
Unlimited Check Writing	•	•	•	•	•
Free MasterMoney Debit Card w/Approval	•	•	•	•	•
Overdraft Privilege w/Approval	•	•	•	•	•
Minimum Opening Balance $100.00	•	•	•	•
Free Bill Pay	•	•	•	•	•
Receive Monthly Statements Via E-Mail	•
Statements w/Check Images		•	•	•	•
Free Cashier Checks		•	•
Free Traveler's Checks		•	•
Interest Paid on Average Daily Balance   Over $1,000.00		•	•	•
* NOTE: Monthly Service Charge for                       Basic Checking applies when                       your Average Daily Balance                       falls below $1,000.00
Basic Club Benefit Package, which  includes the following:
Free Basic Checks   (or discount on Designer checks)		•	•
* $5,000 ID Theft Coverage                  with 24/7 Phone #		•	•
** $10,000 AD&D Non-Reducing		•	•
** $2,500 Dependent Child AD&D (per child)		•	•
** $150,000 Common Carrier Insurance		•	•
Credit Card Registration		•	•
Key Ring Return		•	•
Safe Deposit Journal		•	•
Asset Organizer		•	•
Entertainment Savers Guide		•	•
Theme Park and Movie Ticket Discounts		•	•
Member Travel Source with Travel Rewards		•	•
Rental Car Discounts		•	•
Walk-in Pharmacy Discount Card		•	•
Eye Care & Eye Wear Discount Card		•	•
24- Hour Nurse Line		•	•
Emergency Medical ID Card		•	•
Vitamins and Nutritional   Supplements Discount		•	•
Cash Back Member Rewards		•	•
Paintless Dent Repair Discount		•	•
$500.00 Grocery Coupon Booklet		•	•
Flowers, Gifts and Greenery Discount  (15% FTD)		•	•

 

* Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183.  Coverage for all claims or losses depends on actual policy provisions.  Availability of coverage can depend on our underwriting qualifications and state regulations.  Coverage not available for residents of New York.

* Insurance Products

Not insured by FDC or any Federal Government Agency Not a deposit of or guaranteed by the bank or any bank affiliate

** Special Insurance Program Notes

The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.  Coverage is divided equally among joint account holders.

** Insurance Products

Not insured by FDC or any Federal Government Agency Not a deposit of or guaranteed by the bank or any bank affiliate

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