Super NOW Account
The Super NOW is a checking account, which earns interest, and is available for individual and joint depositors. The Super NOW offers a greater rate of interest than the regular NOW, but requires a minimum balance of $2,500. There are no monthly maintenance fees or per check charges. However, if on any day during the month, the account balance falls below $2,500, the interest earned on the account will revert to the rate paid on the regular NOW account and a $5 monthly maintenance fee will be charged.

Features:
This is an FDIC insured deposit. Interest is earned on this account, and is compounded daily and credited to the account monthly. The minimum deposit to open this account is $2,500 There is no minimum balance required on this account. However, there is a $5 maintenance fee and interest reverts to the regular NOW account rate, if daily account balance falls below $2,500. All deposits are subject to collection before withdrawal. The depositor receives a monthly statement, which is a record of deposits and withdrawals. Direct deposits (such as payroll, pension or social security checks) can be made to this account. The depositor is eligible to receive a free STAR® ATM card or Debit MasterCard. Personalized checks are available at a reasonable fee. The depositor receives free access to the FAST telephone banking system Interest earned on this account is subject to income tax and the bank issues a yearly IRS form 1099. The depositor must supply the bank with a taxpayer identification number (social security number).

Rates:
Interest is earned on this account. The interest rate is found on the current rate sheet. Interest rate paid reverts to the regular NOW account rate, if the daily account balance falls below $2,500. There is no minimum balance on this account, however, a monthly maintenance fee of $5 will be charged if the minimum daily balance falls below $2,500. A $30 charge is assessed for any check presented for payment against insufficient or uncollected funds. A $25 charge is assessed for a stop payment order on any check. A $5 fee is charged for an interim statement.