Checking Accounts PERSONAL ACCOUNTS Our personal checking accounts have these benefits: Unlimited check writing with no per check fees Monthly service charges based on the monthly balance. Imaged deposit and imaged checks returned in your statement. Automatic Funds Transfer Sweep Overdraft Protection The following is a list of our different types of personal accounts and information and benefits regarding each account. WEST TEXAS CLUB Account - WEST TEXAS PLUS Club (West Texas Plus Club members must be 55 yrs. of age or older) Printed checks: (Club wallet checks) are provided free. (Other styles and designs of checks are available at a discounted price.) Earn interest by maintaining a minimum daily balance of $2,500 for West Texas Club or $1,000 for West Texas Plus Club member. $25,000 Accidental Death & Dismemberment Insurance and $50,000 Common Carrier Insurance is provided. Pay one monthly fee of $8.00 for the WEST TEXAS CLUB and $4.00 for the WEST TEXAS PLUSCLUB. Other benefits include CD Bonus interest rate, prescription drug discount card, hotel/motel discounts, free lost key protection, and many, many More. NOW Accounts Interest is earned at the current stated rate, and NOW interest rates are subject to change. Federal statutes regulate these accounts. A minimum of $1,000.00 is required to open the account and must be maintained during the monthly statement cycle in order to avoid the monthly service charge of $l 0.00.   Basic Checking Account A minimum of $l00.00 is required to open this account. A minimum balance of $700.00 must be maintained during the monthly statement cycle in order to avoid the monthly service charge of $5.00. Images of checks and deposit tickets are returned in monthly statement. Concho Club (All members must be 55 years of age or more.) No monthly fees. First check order is free. A minimum of 100.00 is required to open this accout. Additional discounted services apply.   Free Checking Account This is a "truncated-check" account; your canceled checks will not be returned, but you will receive a monthly bank statement. Duplicate checks are required for this account. A minimum of $I00.00 is required to open this account. There are no monthly service charges, no minimum balance and unlimited check writing. .First fifty (50) checks are free. Money Market Account Interest is earned at the current stated rate and money market interest rates are subject to change. Federal statutes closely regulate these accounts. A minimum of $1,000.00 is required to open the account and must be maintained in the account during the monthly statement cycle in order to avoid the monthly service charge of $I0.00. No limit on deposits or withdrawals made in person. No more than six pre-authorized or automatic transfers or withdrawals (of which no more than three can be checks to a third party) per statement cycle. A $5.00 charge for each excessive item after six. BUSINESS ACCOUNTS The following is a list of our different types of business accounts and information and benefits regarding each account. Commercial Checking Account Monthly service charge is $6.00 per month maintenance fee, plus $.15 per check paid. A monthly earnings credit will be applied to offset the monthly service charge. The earnings credit will be the Super NOW interest rate times the minimum balance for that statement cycle (The earnings credit will in no case exceed the service charge). Super NOW interest rates are subject to change- Canceled checks and deposit tickets are returned in monthly statement. Cost of checks will vary depending upon style and quantity. Commercial NOW Account Federal regulations prohibit NOW accounts for corporations, partnerships and business accounts other than sole proprietorships. Interest is earned at the current stated rate, and NOW interest rates are subject to change. Federal statutes regulate these accounts. A minimum of $1,000.00 is required to open the account and must be maintained during the monthly statement cycle in order to avoid the monthly service charge of $l 0.00.