• Balance of $25.00 required to open
  
• No monthly service charge
  
• Truncation only (Check images and checks not returned in statement)
  
• No minimum balance requirement
  
• Unlimited check writing, no excess check fees
  
• First 50 printed checks free
  
• Access to account 24/7 through TeleBanc
  
• ATM access with TransFund ATM Card or Check Card (subject to approval)
  
• TransFund Visa Check Card for purchases (subject to approval)
  
• No fee for ATM withdrawals at either of our ATM’s
  
• Non-interest bearing account
  
• Overdraft Privilege^sm Service up to $400 (subject to approval and eligibility)

• Balance of $100.00 required to open
  
• No service charge on accounts with minimum ledger balances of $500.00. A charge of $5.00 per month will be assessed if the minimum ledger balance is between $250.01 and $499.99. A charge of $8.00 per month will assessed if the minimum ledger balance is $250.00 or below. If you are age 62 or older, and you have a direct deposit, there is not a monthly service charge.
  
• Check images are returned in statement
  
• Unlimited check writing, no excess check fees
  
• Access to account 24/7 through TeleBanc
  
• ATM access with TransFund ATM Card or Visa Check Card (subject to approval)
  
• TransFund Visa Check Card for purchases (subject to approval)
  
• No fee for ATM withdrawals at either of our ATM’s
  
• Non-interest bearing account
  
• Overdraft Privilege^sm Service up to $700.00 (subject to approval and eligibility)

• Balance of $100.00 required to open
  
• Monthly maintenance fee of $3.00, plus a $0.25 charge for each check written and any in-branch withdrawals
  
• No charge for ATM withdrawals at either of our ATM’s (subject to approval)
  
• Check images are returned in statement
  
• Access to account 24/7 through TeleBanc
  
• ATM access with TransFund ATM Card or Visa Check Card (subject to approval)
  
• Non-interest bearing account
  
• Overdraft Privilege^sm Service up to $700.00 (subject to approval and eligibility)

• Balance of $100.00 required to open
  
• Monthly maintenance fee of $3.00, plus a $.25 charge for each check written and any in-branch withdrawals. Available to individuals between the ages of 18-22. The customer agrees to balance checkbook monthly. Within 14 days of the statement cut-off, the customer will bring to the Bank (or fax or mail a copy) the bank statement showing the reconcilement and checkbook register. The Bank agrees to refund monthly service charge if these requirements are met.
  
• Check images are returned in statement
  
• Access 24/7 through TeleBanc
  
• ATM access with TransFund ATM Card or Visa Check Card (subject to approval)
  
• Non-interest bearing account

• Interest-bearing account
  
• Interest rate and annual percentage yield may change
  
• Rate may change at any time on account
  
• Interest compounded monthly and credited to the account monthly
  
• Interest begins to accrue no later that the business day we receive credit
  
• If the account is closed, accrued interest is not paid
  
• Balance of $1,000.00 required to open
  
• No service charge if average available balance is $1,000.00 or over
  
• Monthly service charge of $10.00 plus $.25 per transaction if average available balance falls below $1,000.00
  
• Unlimited check writing, no excess check fees
  
• Check images are returned in statement
  
• Access 24/7 through TeleBanc
  
• ATM access with TransFund ATM Card or Visa Check Card (subject to approval)
  
• Overdraft Privilegesm Service up to $700.00 (subject to approval and eligibility)
  
• Account is limited to individuals and sole-proprietorships. Corporations and partnerships cannot open a NOW checking account

The Heritage Club is for “Very Special People”, and that’s what you are at The Condon Bank & Trust! If you are age 55 or over, you are eligible to join in the fun. You many join by choosing one of the following methods:

• A balance of $1,500 in our Heritage Club Now Account
  
• $15,000 in certificates of deposit
  
• A $15.00 per month fee

• Interest Bearing Checking-With a minimum balance of $1,500, you’ll earn interest with no service charge, and write as many checks as you want. Take advantage of personalized checks, cashier’s checks, money orders, and traveler’s checks, all issued without a fee. (Limit of 3 cashier’s checks and money orders per month.)
  
• Copying Service-Make up to 10 copies per month
  
• Free Notary service
  
• Special Activities-Club sponsored parties are a great time for you to bring a guest and visit with other Heritage Club members
  
• Exciting Travel Opportunities-Enjoy exciting vacations and tours as we explore the region on one-day and overnight getaways. Longer domestic and international trips will also be planned throughout the year.
  
• Newsletter-keep informed of the happenings and activities of the Heritage Club
  
• 5 for a Quarter-If you use a combination of five or more of our financial services here at Condon Bank & Trust, we will pay you ¼% above the stated rate on new certificates of deposit. Financial services include any checking account, any savings account, money market savings accounts (MMIA), certificates of deposit, IRA’s, any loan, safe deposit boxes, direct deposit and Visa check cards.
  
• Visa ATM and Checkcard-As a Heritage Club member with a Heritage Club checking account, you are eligible for a Visa ATM and Checkcard. Use your ATM and Checkcard to get cash at our  Automated Teller Machines

• Balance of $100.00 required to open. Minors, under the age of 18, need $25.00 to open.
  
• No service charge if balance is over $25.00. If balance falls below $25.00, there is a $10.00 per quarter service charge.
  
• There is a charge of $1.00 per withdrawal in excess of 6 per quarter.

• No minimum balance requirement
  
• Check for balance on October 31 cut-off is either mailed to you or deposited to the account of your choice
• Interest bearing, paid annually on October 31
• Withdrawals prior to October 31 will be $10.00 per early withdrawal
  

• No minimum balance requirement
  
• Check for balance on May 31 cut-off is either mailed to you or deposited to the account of your choice
• Interest bearing, paid annually on May 31
• Withdrawals prior to May 31 will be $10.00 per early withdrawal

Transactions are limited to six per month, three of which may be by check. There is no limit on ATM withdrawals, or withdrawals in person or by messenger.

• Minimum required to open is $2,500
  
• If balance falls below $2,500, there is a $20.00 per month service charge
  
• Tiered rate account
  • Tiers:
    0-$2,499.99
    $2,500.00-$24,999.99
    $25,000.00-$49,999.99
    $50,000.00-$74,999.99
    $75,000.00-$99,999.99
    $100,000.00+

• Available to persons with a High Deductible Health Plan. Statement of HSA qualification from your insurance company will be required.
  
• Employee and/or employer contributions can fund the account
  
• Withdraw medical related expenses tax free

• Traditional IRA’s
  
• Tax deductible
  
• Interest earned is non-taxable

Lock in a higher rate of interest on terms from 3 months to 5 years. Call us at (620) 251-5500 for current rates.


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