Ohio River Bank

Totally Free Checking
	No minimum daily ledger balance
	No monthly service charge with safekeeping
	No per item fee
	Unlimited Ohio River Bank ATM transactions
	Free Debit Card (Credit Approval Required)

Regular Checking (Individuals that write a higher volume of checks per month)
	Minimum Daily Ledger Balance - $400 checking or $1,000 in savings, CD or IRA
	No monthly service charge above minimum balance, $5.00 below balance
	Monthly Service Charge with Images - $3.00 above balance - $8.00 below balance
	No per item fee
	Free ACH services. (See Details)
	Unlimited Ohio River Bank ATM transactions
	Free Debit Card (Credit Approval Required)

Senior Citizens (For Individuals over 50)
	Minimum Daily Ledger Balance $100
	No monthly service charge above minimum balance, $5.00 below balance
	Monthly Service Charge with Images - $3.00 above balance - $8.00 below balance
	Free standard checks
	50% reduction on travelers check fees
	Free first year rent on a small safe-deposit box
	No per item fee
	Unlimited Ohio River Bank ATM transactions
	Free Debit Card (Credit Approval Required)

Now Checking (Not eligible for incorporated businesses and “for profit” organizations.)
	Minimum Daily Ledger Balance - $1,000 checking or $5,000 in savings, CD or IRA
	No monthly service charge above minimum balance, $7.00 below balance
	Monthly Service Charge with Images - $3.00 above balance - $10.00 below balance
	No per item fee
	Pays Competitive Interest-Tiered Balances
	Unlimited Ohio River Bank ATM transactions
	Free Debit Card (Credit Approval Required)

Money Market Plus Account
	$10,000 Minimum Daily Ledger Balance
	No monthly service charge above minimum balance, $15.00 below balance
	Monthly Service Charge with Images - $3.00 above balance - $18.00 below balance
	No more than 6 withdrawals each statement period made by check.
	$25.00 transaction fee for each withdrawal exceeding the account limit during the monthly statement period.
	Pays Competitive Interest – Tiered Balances

Overdraft Protection (Personal accounts only)
	$25.00 annual fee
	Credit Approval Required
	Very Competitive Interest Rate
	Use the line of credit to make yourself a loan
	Credit Approval Required
	Very Competitive Interest Rate

* A $50.00 minimum opening balance is required on all deposit accounts.

* Notice Regarding ATM Fees By Others – If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network. Ohio River Banks ATM fees are $0.65 for other ATM's and a $1.50 Network Fee.

* Federal Reserve Regulation D limits regular savings accounts to no more than six preauthorized transfers per month, no more than three of which may be payable to third parties, such as checks, ACH transfers or debit card entries. A $5.00 fee will be charged or each additional preauthorized transfer per month in excess of six or for each third party transaction in excess of three. Once the account has violated Regulation D limits twice, the bank will automatically convert the account to a transaction type account.