At the Bank of Advance, we know one product will not suit everyone, so we offer a wide range of accounts to fit your individual needs.  Let one of our experienced staff guide you through choosing the right account.

• Free Checking

• Regular Checking

• Basic Interest Checking

• Premium Interest Checking

• Money Market Accounts

• Passbook Savings

• Certificate of Deposit

• Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

FREE CHECKING

• $100.00 Minimum to Open
• No Monthly Service Charge
• $300.00 Bounce Protection
• Free ATM/Debit Card
• Easy to Read Monthly Statements (No Images)
• Unlimited Check Writing

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 REGULAR CHECKING

• $100.00 Minimum to Open
• $5.00 Service Charge/Month if Balance Drops Below $500.00
• No Monthly Service Charge for Seniors (60)
• $500.00 Bounce Protection
• Free ATM/Debit Card
• Monthly Statement With Images
• Unlimited Check Writing

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BASIC INTEREST CHECKING

• $1000.00 Minimum to Open
• $5.00 Service Charge/Month if Balance Drops Below $1000.00
• Interest Earned if Balance is Over $1000.00
• $600.00 Bounce Protection
• Free ATM/Debit Card
• Monthly Statement With Images
• Unlimited Check Writing

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PREMIUM INTEREST CHECKING

• $2500.00 Minimum to Open
• $10.00 Service Charge/Month if Balance Drops Below $2500.00
• Interest Earned if Balance is Over $2500.00
• $1000.00 Bounce Protection
• Free ATM/Debit Card
• Monthly Statement With Images
• Unlimited Check Writing

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MONEY MARKET ACCOUNT

• $2500.00 Minimum to Open
• $10.00 Service Charge/Month if Balance Drops Below $2500.00
• Interest Earned of Balance is Over $2500.00
• Free ATM/Debit Card
• Monthly Statement With Images
• 6 Transfers Each Monthly Statement Cycle
• $5.00 Fee Charged for Each Additional Transaction Exceeding the Limit

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PASSBOOK SAVINGS

• $50.00 Minimum to Open
• $2.00 Service Charge/Quarter if Balance Drops Below $10.00
• Interest Earned if Balance is Over $50.00
• 6 Free Withdrawals per Month
• $1.00 Fee Charged for Each Additional Withdrawal

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CERTIFICATE OF DEPOSIT       

• $1000.00 Minimum to Open
• Daily Balance Method Used to Calculate Interest
• Interest Compounded and Credited to the Account Quarterly
• Penalty for Early Withdrawal
• Accounts are Automatically Renewed at Maturity
• Ten Day Grace Period at Maturity to Withdraw Funds or Change Term

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010,through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.