

| Extreme Checking† | Value Checking | Premium Checking | Student Checking | Golden Checking | Health Savings Checking Account** | |
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Apply Online? Available to KY, IN & OH residents only. |
![]() Available to KY, IN & OH residents only. |
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| Minimum Daily Balance | None | None | None |
No maintenance fee; $3 paper statement fee; 3 free checks per cycle, $2 per check thereafter |
$300 | $500 |
|
Fall Below Fee (per cycle) |
None | None | None | None | $5 | $3 |
|
Monthly Maintenance Fee & Paper Statement Fee (per cycle) |
None |
$5 maintenance fee; $3 paper statement fee |
$15 maintenance fee | None | None | None |
| Interest Rate Tiers |
$0 – $10,000.00 $10,000.01+ (Tiers apply only if qualifications are met) |
None |
$0 – $4,999.99 $5,000 – $9,999.99 $10,000 – 49,999.99 $50,000.00+ |
None |
$0 – $4,999.99 $5,000 – $24,999.99 $25,000+ |
$0 – $2,499.99 $2,500 – $4,999.99 $5,000 – $9,999.99 $10,000.00+ |
| Check Supplies |
First 50 FREE (price varies by style thereafter) |
First 50 FREE (price varies by style thereafter) |
FREE Basic Wallet-Style | None | FREE Basic Wallet-Style |
First 50 FREE (price varies by style thereafter) |
| Additional Account Information |
If qualifications are met: • Receive 1.00% APY on all balances between $0.01 and $10,000. • Receive 0.25% APY on all balances above $10,000. • Reimbursement up to $25 per cycle on all ATM fees1 If qualifications are NOT met: • 0.10% APY on all balances • No ATM fee reimbursement for that cycle Qualifications per cycle to receive interest rate & ATM benefits: 10 debit card purchases must post & clear your account; 1 direct deposit or automatic payment must post & clear your account; Enroll and receive your statement electronically2 (e-Statements) |
Must meet 1 of the following waiver conditions per cycle to avoid maintenance & paper statement fees: • $500 minimum daily current balance3 OR • $25,000 in aggregate linked deposits4 |
Must meet 1 of the following waiver conditions per cycle to avoid maintenance fees: • $5,000 minimum daily current balance3 OR • $25,000 in aggregate linked deposits4 Waiver of CBandT ATM fee and reimbursement of up to $25 per cycle for non-CBandT ATM fees assessed by other insitutions.1 Free small Safe Deposit box for the first year; Free Cashier’s Checks & individual Traveler’s Checks; Additional benefits include 0.25% APY discount on loans and 0.10% APY increase on CD rates. (Please speak to an account officer for details) |
Waiver of CBandT ATM fee and reimbursement of up to $10 per cycle for non-CBandT ATM fees assessed by other institutions.1 Requirements to qualify for account: Account Limitation: |
Requirement to qualify for account: Free small Safe Deposit box for the first year; Free Cashier’s Checks & individual Traveler’s Checks |
Customer is required to carry a High Deductible Health Plan (HDHP) |
| Free Internet Banking & Bill Pay | • | • | • | • | • | • |
| Free Instant Debit Card* | • | • | • | • | • | • |
| Free e-statements | • | • | • | • | • | |
| Unlimited Transactions | • | • | • | • | • | • |
Some restrictions apply. $100 minimum deposit required to open any checking account. Overdraft Courtesy available for accounts that qualify. Contact your branch representative for additional account details. *Certain qualifications apply; after initial card, replacement fees may apply. **Consult HSA Plan Agreement for additional rules and restrictions. Subject to annual contribution limits. Consult your tax advisor for possible tax benefits and consequences associated with Health Savings Accounts. Insured is responsible for maintaining all receipts associated with qualified withdrawals from the plan. †Extreme Checking rates as of May 17, 2012. We may change the interest rate and APY at any time after the account is opened. Available to personal accounts only. Limit one Extreme Checking account per social security number/individual. 1ATM fee reimbursements will be paid after the end of each cycle, when applicable. 2Requires Internet Banking. 3The daily current balance is the balance at the end of each business day of the statement cycle after all transactions have posted & cleared. The average monthly current balance is the balance at the end of each business day of the statement cycle after all transactions have posted & cleared, divided by the number of days in the statement cycle. 4Up to four (4) personal checking account & paper statement fees waived if using aggregate deposits. | Revised April 8, 2013.