Your personal financial situation is unique, which is why it's important to work with a bank that offers a range of checking account options that can meet your specific needs. Your cash flow and spending habits are key determinants in choosing a personal checking account, so it's important to understand your options and the particular features of each that will enable you to optimize your cash management. ________ offers several checking account options, each designed to deliver optimal benefits at every level of cash management need.

______ Basic Checking

______ Basic Checking includes all of the essentials to effectively manage your cash including an account with no minimum balance requirement, access to Online Banking, Mobile Banking and Bill Pay, and a free Debit Card. With _____ Basic Checking you have unlimited check writing and access to the ______ nationwide ATM network.

The $2 monthly statement fee is waived when you sign up for eStatements. Overdraft protection is available when your checking account is linked to a _____ savings account.

_____ Checking Plus

You don't have to let your money sit idle.  The ____ Checking Plus account includes all of the essentials of Basic Checking along with an interest bearing account.  The monthly maintenance fee of $7 is waived when a minimum daily balance of $500 is maintained. 

_____ High Interest Account

With a _____ High Interest Account your money earns a competitive interest rate while you enjoy additional features, such as unlimited check writing, free Overdraft Protection, rate discounts on eligible consumer loans and higher rates on savings accounts.  The monthly maintenance fee of $12 is waived when a minimum daily balance of $1,000 is maintained.

_____  Online Banking

At the core of all of our banking services is our enhanced online solution, _____ Online Banking, which provides you with one integrated point of access to support all of your banking needs, 24/7. In addition to viewing your account activities in real time, it enables you to execute transactions such as transfers between accounts, bill pay, and even send payments to other people via text or email. The system enables you to view images of your check and deposit items, and to download your transactions to your favorite financial management software.

_____ Visa Business Debit MasterCard

It's a card that works like a check and makes managing your cash flow even easier. Use your _____ Debit MasterCard to pay for your day-to-day expenses and bills instead of cash, checks, or credit cards. The money comes right out of your checking account that is linked to the card, with no interest charges or card fees.

_____ Cash Rewards

Your _____ Debit Card can earn your business cash back on all qualifying purchases. You will receive up to 50% cash back when you shop at participating retail stores, restaurants, automotive shops, health and beauty providers and many more merchants. When you shop online at, you can receive up to 20% cash back from national online retailers like and

For detailed information on our any of our business checking services contact a _____  personal banker at 800-748-5473 or 801-956-3845 or visit one of our convenient banking centers at a location near you.

We are members of FDIC so all deposits are insured up to $250,000 per depositor, per ownership category. To learn more about our FDIC membership, go to and search for our name under Bank Find.

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