Deposit Products	Club Accounts	Loan Products
Statement Delivery Options	Visa Debit Card / ATM Card	Fee Schedule

	Club Account**	Golden Harvest **	NOW	Money Mkt.	Regular Checking	Freedom	Regular Business	Savings	Premium Savings	Christmas Club
Earns Interest	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes
Monthly Service Charge	$9 imaged statement $7 Non-imaged Statement	No monthly service charge. Has a $5 monthly membership fee	$7.50 each month balance falls below $1000	$7.50 each month balance falls below $1000	$6.00 each month balance falls below $600	None, customer receives monthly non-imaged statement	Account Analysis applied, ask for more details	None	None	None
Minimum Deposit to Open	$200	$50	$500	$1,000	$50	$50	$50	$50	$5,000	$10
Check Writing/Withdrawls	Unlimited	Unlimited	Unlimited	During any month you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.	Unlimited	Unlimited	Unlimited	During any quarter you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.	During any quarter you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.	None
Checks	3 free boxes per year	3 free boxes per year	Extra Charge	Extra Charge	Extra Charge	Extra Charge	Extra Charge	N.A.	N.A.	N.A.
Debit/ATM Card	Free *	Free *	$1.00 per month *	$1.00 per month *	$1.00 per month *	$1.00 per month *	$1.00 per month *	N.A.	N.A.	N.A.
Online Bill Pay	Free Bill Pay for the first 10 per month then $0.45 each additional  payment.	Free Bill Pay for the first 10 per month then $0.45 each additional  payment.	Free Bill Pay for the first 10 per month then $0.45 each additional  payment.	Free Bill Pay for the first 10 per month then $0.45 each additional  payment. Limit of 6 withdrawals per month	Free Bill Pay for the first 10 per month then $0.45 each additional  payment.	Free Bill Pay for the first 10 per month then $0.45 each additional  payment.	Free Bill Pay for the first 10 per month then $0.45 each additional  payment.	N.A.	N.A.	N.A.
Online and Info Banking	Free	Free	Free	Free	Free	Free	Free	Free	Free	Free

* Subject to approval ** See below for more account details

The Bank of Ohio County offers two checking accounts that have so many features and benefits that we needed extra space to give you all of the details.

Premier Checking Account The name says it all, Premier checking for Premier customers. This account has the following features and benefits. Visit www.eclubonline.net for additional details or to register for member benefits. Premier personalized checks (stock form, limit 3 orders per year) Preferred consumer loan rates - 1/2% of 1% discount if monthly loan payments are deducted from checking account 50% discount on safe deposit box rental Free notary service Free photocopies (limit 25 per month) Free stop payment requests (limit 3 per month) Free use of fax machine (limit 5 pages per month) Monthly maintenance fee waived on Debit/ATM cards $20,000 Accidental Death and Dismemberment Insurance $45,000 Scheduled Airline Coverage $2,500 Dependent Child Coverage $2,500 Identity Fraud Expense Reimbursement Coverage Credit Card Registration Key Tag Return Prescription Drug Plan Eye Care And Eye Wear Plan Cash Back Member Rewards

Golden Harvest Account You have reached the stage in your life when it's time to enjoy the golden years. The last thing you want to worry about are a lot of fees on your checking account. If this describes you and you are over the age of 50, the Bank of Ohio County has the perfect account for you. This account has the following features and benefits.The member is entitled to all of these benefits for only a $5.00 monthly membership fee. Visit www.eclubonline.net for additional details or to register for member benefits. Member may select the type of checking account they desire and the member is exempt from the account minimum balance fee and/or the monthly maintenance fee. Golden Harvest personalized checks (stock form, limit 3 orders per year) 50% discount on safe deposit box rental Free use of fax machine (limit 5 pages per month) Fee on bank money orders waived (limit 5 per month) Fee on cashier’s checks waived (limit 5 per month) Free notary service Free stop payment requests (limit 3 per month) Golden Harvest identification card Special health care certificate of deposit Monthly maintenance fee waived on Debit/ATM cards $10,000 Accidental Death and Dismemberment Insurance $35,000 Scheduled Airline Coverage $2,500 Identity Fraud Expense Reimbursement Coverage Credit Card Registration Key Tag Return Prescription Drug Plan Eye Care And Eye Wear Plan

The Bank of Ohio County offers the following types of loans: Mortgage loans: From buying that new dream home to refinancing your present home we have a loan program for you. The Bank offers fixed and adjustable rate mortgages. Home Equity Lines of Credit: Use the equity in your home for any purpose. A home equity is a line of credit secured by a mortgage on your home. This loan gives you the convenience of writing a check anytime you need additional funds. Consumer loans: Looking to buy a new car or boat? How about a four wheeler? We make loans for all of these reasons and many more.  Commercial loans: From starting a business, purchasing commercial property or expanding an existing business call one of our loan officers today.  Agricultural loans: The Bank makes loans to purchase and refinance farmland. We also make loans to purchase farm equipment and have operating lines of credit to put out your crops. Contact a Bank of Ohio County loan officer today to find out about current rates, terms and conditions.

Basic statement

Statement with check images

Postal delivery

E-Statements delivered directly to your computer

A Bank of Ohio County Debit Card gives you the freedom of 24-hour access to your account.  It looks like a credit card but works like a check.  When you make a purchase, the amount is deducted directly from your checking account.  You avoid the hassle of waiting for a check approval, you will be provided a receipt for your records at the point of sale and your monthly checking account statement will reflect all purchases made with your debit card.  You also have ATM access with the same debit card. 

Account closed within 30 days	$15.00
Balance inquiry at foreign ATM	$0.50
Withdrawal at foreign ATM	$1.00
Courtesy OD paid (per item)	$25.00
Return item fee (per item)	$25.00
Extended Overdraft Fee
(After 3 days if over $25.00) daily	$5.00
Deposited check returned (per item)	$5.00
Non conforming check (per check)	$1.00
Stop payment request (per check)	$25.00
Legal process on account	$50.00
Printed check order (Varies depending on style chosen)
Special statement – w/items	$10.00
Special statement copy only	$1.00
Balancing statement per hour	$15.00
Closing account by mail	$5.00
Record research	$20.00 per hour / $1.00 per copy
Replacement of ATM card	$5.00
Re-order personal ID number	$2.50
Account caution	$25.00