Neighborhood Credit Union

Choice Checking Truth-In-Savings Disclosure

EFFECTIVE 03/01/2011

DIVIDENDS

Dividends: N/A

BALANCE REQUIREMENTS

Minimum Opening Deposit: $25.00

Account Features
You must deposit $ 25.00 to open this account.
The following fees may be imposed on this account:
Base Service Charge Fee $10.50

Requirements
To qualify for Choice Checking maintenance fee reduction, you must complete these transactions or actions monthly to reduce service charge. You will receive a deduction for each transaction performed which could reduce your maintenance fee to $0.00.

$0.20 credit per signature-based debit card transaction in the amount of $5.00 or more (ATM and PIN based transactions are excluded)
$1.00 credit for e-statements

**NOTE: These transactions must be posted to your account and not just transacted. Some transactions may take up to seven (7) days to post.

Activity in your account during the Qualification Cycle will determine the amount of reduction to be applied against the Base Service Charge with the net amount being charged to your account. Reduction amounts that exceed the Base Service Charge amount will result in a Service Charge of $0.00 for the account. There will not be any credit balances for completing more than the necessary transactions.

“Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.