| Checking Accounts |
| Free Checking | Free Rewards Checking | Interest Plus Checking | Laker Gold Checking | | Minimum Balance | None | None | $500 | $10,000 * | | Minimum to Open | $100 | $100 | $500 | $10,000 | | Service Charges | None | None | $5 per mo. .25 per check if below minimum | $10 if below minimum | | Checks Provided | None | None | None | Free Club Checks or $10 discount | | Shazam Chek Card | Free; based on at least four POS transactions per month** | Free | Free; based on at least four POS transactions per month** | Free; based on at least four POS transactions per month** | | Extras | Check safekeeping | Earn one of the highest interest rates paid at our bank when you use our electronic banking services.*** | Interest compounded and credited every cycle | Interest compounded and credited every cycle |
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| * Combined in checking, savings and CD accounts. **Point Of Sale (POS) transactions; ATM transactions do not qualify.***Available on personal accounts when monthly standards are met: 1) access Internet Banking account once per cycle, 2) receive E-statements 3) have direct deposit or an automatic monthly payment, and 4) 10 debit card transactions (excludes ATM withdrawals) 5) valid email address. If requirements met: 1.75%APY on balance up to $25,000, and 0.25%APY on the portion of balance over $25,000. If requirements not met: 0.10%APY on balance. ATM fee refunds up to $15 per cycle. If monthly standards are not met, any ATM fees will not be refunded. Rate may change after the account is opened. |