This is your invitation to share a draft with us. Share draft accounts are the credit union terminology for checking accounts. Let us tell you about ours...

ELIGIBILITY:
If you are a minor you need to have someone of legal age signed on your account with you.

ADVANTAGES:

• NO minimum balance in your share draft account.
• NO monthly fee.
• NO per draft fee.
• NO charge for your first 50 drafts/checks.*(When you open your account.)
• NO charge for one box of checks.*(Per order if you are age 62 or better.)
• NO charge for one box of checks.*(Per order with direct deposit of pension or Social Security retirement.)
• Monthly statement with an easy reconciliation form on the back.
• A wide variety of styles to choose from.
• Free vinyl checkbook cover.
• Carbonless duplicate draft with every check you write.

*Refers to plain blue duplicate safety checks. You may choose another style and your account will be debited the difference in price.

DIVIDENDS:
Paid on the average daily balance. See the current rate sheet for current APR & APY.

CHARGES:

Stop payment	$5.00 plus tax
Overdraft charges N.S.F. returned	$20.00 plus tax
Overdraft charges N.S.F. paid	$10.00 plus tax

AUTOMATIC OVERDRAFT PROVISION:
This service will provide transfers from your regular share (savings) account in $50 increments to cover items attempting to clear your account. The fee is $10.00 plus tax per transfer. If you phone or stop in there is no fee for transfer of funds.

DEBIT/ATM CARDS:
This dual-purpose card is very handy and may be used at any merchant that accepts VISA and at Cirrus or Shazam ATM terminals. The cost is $2.00 plus tax monthly. You are allowed six ATM transactions monthly at no cost, after that they are .50 plus tax each.

DEPOSITS:
Deposits may be made at either of our locations in person, night drop box, payroll deduction, and direct deposit or with your Debit/ATM card.

ELECTRONIC FUND TRANSFERS
INITIATED BY THIRD PARTIES

Transfers to third parties may be a one-time occurrence or periodically occurring as directed by you. In some form you will have to release information to the third party concerning your financial intuitions routing number and your account number. This information can be provided to them from information found on a check or deposit slip. They may post a sign informing you of their policy to convert your check into an EFT (electronic funds transfer). Some merchants or service providers will also collect for an insufficient funds check and service fees through EFT. Be sure to provide your personal account information (by phone, Internet or any other method) only to trusted third parties.