Personal Savings Accounts

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Savings Accounts
Column has the savings account name and description; other columns show opening deposit and fees.

Features	Local Choice Savings	Holiday Savings	UTMA Savings	CA$H Kids Club Savings For ages 5 thru 12	Smart Start Savings For ages 13 thru 17
$5 Opening Deposit	No
$100 Opening Deposit		No	No	No	No
ATM Card		No	No	No
Online Banking**
Mobile Banking**
Mobile Deposit**
E-Statements**
TeleBank** (877) 477-1154
ATM Walk-up & Drive-up		No	No	No
iTM Video Teller Walk-up & Drive-up
Variable Interest Rate
$5 Maintenance Fee.* Waived for minimum $100 daily balance.		No	No	No	No
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*Maintenance Fees are assessed each statement cycle.
**Customers under age 13: Access is not allowed for Online Banking, Mobile Banking, Mobile Deposit, and E-Statements. Inquire-only is allowed for TeleBank.

Certificate of Deposit & Retirement Accounts

Certificate of Deposit & Retirement Accounts
Column has the investment account name and description; other columns show opening deposit and fees.

Features	Certificate of Deposit***	IRA Savings†	IRA CD††
Opening Deposit Dependent on Term
Online Banking - View-Only
Mobile Banking - View-Only
TeleBank (877) 477-1154 - Inquire-Only
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***Substantial penalty for early withdrawals. †Tax implications may apply. ††Early withdrawal penalties and tax implications may apply.