Interest Bearing Checking

Hometown Checking I
Today, getting exceptional value for your money is more important than ever. That's why we think you'll appreciate this program which includes a great checking account and a lot more! You also receive services that will save you money and time. Banking Benefits: Checking with a $100 Minimum Balance - There's no fee when you keep a $100 minimum balance. Should your balance drop below $100, a $7.50 fee will be charged. Checking with Interest - Earn interest (call Wray State Bank for current rates) on your checking account for all days your collected balance is above $1,000 during the month. Personalized Checks - As a member, you'll receive your first Hometown Checking style checks absolutely free. Unlimited Checking - Write unlimited checks. There are no per-check charges. Traveler's Checks and Cashier's Checks - As a member, you receive these services without an issue charge. Notary Service - When you need it, it's available at no charge. Copy Service - Up to 25 pages of copies per month available to you without charge. Direct Deposit of Social Security or Payroll Checks - Enjoy the convenience. For immediate access to your money, you can authorize the Treasury of your employer to deposit your checks directly into your account. Safe Deposit Box Rental - Receive a 10% annual discount on Safe Deposit Box Rental. Transfer to Your Savings Account - Without a service fee. 50% Discount on ATM/Debit cards
Opening deposit No Service Charge Service Charge Interest Earned	$100.00 $100.00 minimum balance $0.00 - $99.99 = $7.50 All days collected balance is $1000.00 or more

Hometown Checking II
Take advantage of the Hometown Checking I benefits as well as these fine EXTRAS!!! One Low Monthly Fee Checking - No more service charge surprises! You receive our extra-ordinary services for one low monthly fee and you're not forced to maintain an average or minimum balance. ($6.00 per single account or $7.50 per joint account). Checking with Interest - Earn interest higher than the Hometown Checking I account (call Wray State Bank for current rates) for all days your collected balance is above $1,000 during the month. Free Personalized Checks - Receive first 600 Hometown Checking style personal checks free, annually. Safe Deposit Box Rental - Receive your 25% annual discount on Safe Deposit Box Rental. Discounted Check or ATM Card - Receive a 50% discount on the annual fee of the MasterCard check card (separate application and credit approval required). $10,000 All Risk Accidental Death and Dismemberment Insurance** - 24-Hour a day protection that covers you at home, on the job, wherever you are.
Service Charge Interest Earned Free Personalized Checks Safe Deposit Box Rental Discounted ATM or Check Card/Debit Card	$6.00 for a single account $7.50 for a joint account All days collected balance is $1000.00 or more First 600 of Hometown Style free 25% discount 50% Discount on annual fee
**Insurance is provided by a well respected A++ rated national insurance company through Financial Institution Benefit Association. Customer insurance coverage is divided equally on joint accounts.
Hometown Checking III
Take advantage of the Hometown Checking I and II benefits in addition to even more EXTRAS!!! One Low Monthly Fee Checking - No more service charge surprises! You receive our extra-ordinary services for one low monthly fee and you're not forced to maintain an average or minimum balance. ($8.00 per single account or $9.50 per joint account). Family Plan Protection - Increase your security with $30,000 of protection plus $1,500 coverage for each dependent child for just another $2.00 per month
Service Charge	$8.00 for a single account $9.50 for a joint account
Family plan protection	$30,000.00 of protection plus $1,500.00 coverage for each dependent child for $2.00 per month

NOW Checking $1,500 minimum opening deposit $1,500 or more . . . . service charge $2.00 $1,500 or more . . . . interest rate in effect (call for current rates) $0 - $1,499.99 . . . . $6.00 per cycle $0 - $1,499.99 . . . . NO interest paid Limited to individuals, sole proprietorships, public funds and non-profit organizations
SUPER NOW Checking $2,500 minimum opening deposit $2,500 or more . . . . NO service charge $2,500 or more . . . . interest rate in effect (call for current rates) $0 - $2,499.99 . . . . $8.00 per cycle $0 - $2,499.99 . . . . NO interest paid Limited to individuals, sole proprietorships, public funds and non-profit organizations Checking accounts closing within the first 90 days will be charged $15.00 for special handling. $6.00 will be assessed to dormant checking accounts that fall below the required balance (182 days). Interest bearing checking accounts calculate interest by using the daily collected balance method. Interest is paid by compounding to the account on the statement cycle date.

Other Checking Personal Checking $100 minimum opening deposit Average collected daily balance of $300 or more . . . no service charge $0 - $299.99 . . . $6.00 monthly service charge Non interest bearing account No service charge and no minimum daily balance for student accounts Student must be full time and under the age of 24 No service charge for our more mature customers (age 65 & over) No service charge for Heritage Club
Business Checking $100 minimum opening deposit Monthly earnings credit based on average collected balance $0.20/$100.00 Service charge per statement cycle. . . $3.00 Transit item/each . . . . $0.05 Not on Wray State Bank check Debit item/each . . . . $0.15 Checking accounts closing within the first 90 days will be charged $15.00 for special handling. $6.00 will be assessed to dormant checking accounts that fall below the required balance (182 days).