• Regular Checking
• Thrifty Checking
• Checking with Interest
• Greene Club Account
• Evergreene Club Account (50 & Over)
• Money Market Account

Regular Checking

Balance Requirements:

• You must deposit $100.00 to open this account.
• A maintenance fee of $5.00 plus $.20 per debit will be imposed every month if the balance in the account falls below $500.00 any day of the month.

Periodic Statements:

• You will get a monthly account statement.

Student Checking (age limit 25):

• Service Charges Waived

Cost of check printing varies depending on the style of checks ordered.

Thrifty Checking

Balance Requirements:

• You must deposit $100.00 to open this account.
• No minimum balance required.
• Monthly Maintenance Fee of $3.75

Periodic Statements:

• You will get a monthly account statement.

Transaction Limitations:

• You may write up to 12 checks per month.

Fees:

• A $.50 per check charge will be imposed after the 12th check.

Cost of check printing varies depending on the style of checks ordered.

Checking with Interest

Rate Information:

• See rate sheet for interest rate and annual percentage yield. (Posted in Greensboro and Union Point Offices)
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Interest compounding and crediting:

• Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:

• If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:

• You must deposit $1,000.00 to open this account. (You must maintain a minimum balance of $1,000.00 in your account every day to obtain the annual percentage yield listed.)
• A maintenance fee of $5.00 plus $.20 per debit will be imposed every month if the balance in the account falls below $1,000.00 any day of the month.

Balance-computation Method:

• We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:

• You will get a monthly account statement.

Greene Club Account

Rate Information:

• See rate sheet for interest rate and annual percentage yield. (Posted in Greensboro and Union Point Offices)
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered-rate accounts:

• If your daily balance is $1,000.00 or more, but less than $5,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $5,000.00 or more, see the rate sheet for the interest rate paid on the entire balance in your account.

Interest compounding and crediting:

• Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:

• If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:

• You must deposit $100.00 to open this account. (You must maintain a minimum balance of $1,000.00 in your account every day to obtain the annual percentage yield listed.)
• Service Charge of $9.00

Balance-computation Method:

• We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:

• You will get a monthly account statement.

Evergreene Club Account (50 & over)

Rate Information:

• See rate sheet for interest rate and annual percentage yield. (Posted in Greensboro and Union Point Offices)
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered-rate accounts:

• If your daily balance is $1,000.00 or more, but less than $5,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $5,000.00 or more, see the rate sheet for the interest rate paid on the entire balance in your account.

Interest compounding and crediting:

• Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:

• If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:

• You must deposit $100.00 to open this account. (You must maintain a minimum balance of $1,000.00 in your account every day to obtain the annual percentage yield listed.) A service charge of $5.00 will be imposed every month if the balance in the account falls below $500.00 any day of the month.

Balance-computation method:

• We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:

• You will get a monthly account statement.

Money Market Account

Interest compounding and crediting:

• Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:

• If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:

• You must deposit $2,500.00 to open this account.
• You must maintain a minimum balance of $2,500.00 in your account every day to obtain the annual percentage yield listed.
• A maintenance fee of $5.00 will be imposed every month if the balance in the account falls below $2,500.00 any day of the month.

Balance-computation method:

• We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Transaction limitations:

• You may make six transfers from your account monthly by check, debit, draft, or similar payments to third parties.

Fees:

• A $10.00 excessive money market transaction fee will be assessed for each debit transaction over 6 debits per statement cycle.

Periodic Statements:

• You will get a monthly account statement.

Rate Information:

• See rate sheet for interest rate and annual percentage yield. (Posted in Greensboro and Union Point Offices)
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered Rate:

• If your daily balance is $2,500.00 or more, but less than $10,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $10,000.00 or more, but less than $25,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $25,000.00 or more, but less than $50,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $50,000.00 or more, but less than $100,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $100,000.00 or more, but less than $250,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
• If your daily balance is $250,000 or more, see the rate sheet for the interest rate paid on the entire balance in your account.

***Federal Regulations require us to monitor excessive transactions on all Money Market Accounts. Federal Regulations allow you a TOTAL OF SIX CHECK, ACH transfers, INTERNET or OVERDRAFT transfers, and/or any other type of withdrawal per month or statement cycle of at least four weeks. TRANSACTIONS CONDUCTED IN PERSON AT THE BANK OR AT ANY ATM ARE NOT RESTRICTED. If the transaction limitations are exceeded in ANY 3 MONTHS DURING THE preceding 12-month period, we are required to convert the account to a non-interest bearing account.