DEPOSIT ACCOUNTS

REGULAR CHECKING

United National Bank's checking account offers several features and pricing options.

Minimum balance options

No monthly maintenance fee if a $600.00 minimum average daily balance is maintained throughout the statement cycle.

  • If the average daily balance falls between $400.00 and $599.99 during the statement cycle, the monthly maintenance fee is $2.00.
  • If the average daily balance falls between $200.00 and $399.99 during the statement cycle, the monthly maintenance fee is $3.00.
  • If the average daily balance falls below $200.00 during the statement cycle, the monthly maintenance fee is $5.00.

No fee is charged for full time students, senior citizens age 55 and older, churches and nonprofit organizations.

Transaction Fees

No transaction fees for 40 or fewer checks. For each check in excess of 40 during a monthly statement cycle, you will be charged an excess check fee of $.15.

All accounts and certificates of deposit are subject to the bank's Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule, which are subject to change. There may be additional charges and fees for services, as set out in the Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule.

For additional information or to open an account, please contact a bank representative.



SUPER NOW ACCOUNT

Rate Information

  • The current interest rate and annual percentage yield are stated in a separate Interest, Fees and Charges Schedule. Your interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on your account at any time.

Compounding and Crediting

  • Interest will be compounded and credited to your account every monthly statement cycle.

Minimum Balance Requirements

  • You must deposit $1,000.00 to open this account.
  • A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
  • You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

All accounts and certificates of deposit are subject to the bank's Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule, which are subject to change. There may be additional charges and fees for services, as set out in the Deposit Account Terms and Conditions and Interest Fees, & Charges Schedule.

For additional information or to open an account, please contact a bank representative.



SAVINGS ACCOUNT

Rate Information

  • The current interest rate and annual percentage yield are stated in a separate Interest, Fees and Charges Schedule. Your interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on your account at any time.

Compounding and Crediting

  • Interest will be compounded every day and credited to your account every statement cycle. Statement cycle is quarterly unless there is an electronic transfer on the account. In that case, a statement will be sent monthly.

Minimum Balance Requirements

  • You must deposit $50.00 to open this account. The minimum deposit requirement is not applicable to full-time students.
  • A maintenance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the month.
  • You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transactions Limitations

  • Withdrawals or transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone transfer, or by debit card are limited to six per month.

Fees

  • For each withdrawal in excess of three during a month you will be charged an excess withdrawal fee of $5.00.

All accounts and certificates of deposit are subject to the bank's Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule, which are subject to change. There may be additional charges and fees for services, as set out in the Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule.

For additional information or to open an account, please contact a bank representative.



MONEY MARKET ACCOUNT

Rate Information

  • The current interest rate and annual percentage yield are stated in a separate Interest, Fees and Charges Schedule. Your interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on your account at any time.

Compounding and Crediting

  • Interest will be compounded and credited to your account every monthly statement cycle.

Minimum Balance Requirements

  • You must deposit $1,000.00 to open this account.
  • A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
  • You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transactions Limitations

  • Withdrawals or transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone transfer, check, draft, debit card or similar order to third parties are limited to six per statement cycle.

All accounts and certificates of deposit are subject to the bank's Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule, which are subject to change. There may be additional charges and fees for services, as set out in the Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule.

For additional information or to open an account, please contact a bank representative.



VIP MONEY MARKET ACCOUNT

Rate Information

  • The current interest rate and annual percentage yield are stated in a separate Interest, Fees and Charges Schedule. Your interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on your account at any time.

Compounding and Crediting

  • Interest will be compounded and credited to your account every monthly statement cycle.

Minimum Balance Requirements

  • You must deposit $10,000.00 to open this account.
  • A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
  • You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transactions Limitations

  • Withdrawals or transfers from a VIP Money Market account to another account or to third parties by preauthorized, automatic, telephone transfer, check, draft, debit card or similar order to third parties are limited to six per statement cycle.

All accounts and certificates of deposit are subject to the bank's Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule, which are subject to change. There may be additional charges and fees for services, as set out in the Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule.

For additional information or to open an account, please contact a bank representative.



"FIRST MATES CLUB" and "CAPTAINS CLUB" SAVINGS ACCOUNTS

"First Mates" must be 12 years of age or under. "Captains Club" accounts are for customers ages 13 through 19.

Rate Information

  • The current interest rate and annual percentage yield are stated in a separate Interest, Fees and Charges Schedule. Your interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on your account at any time.

Compounding and Crediting

  • Interest will be compounded every day.
  • Interest will be credited to your account annually when statements are printed.

Minimum Balance Requirements

  • You must deposit $5.00 to open this account.
  • No minimum balance is required for this account.
  • You must maintain a minimum balance of $5.00 in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transactions Limitations

  • You may make twelve withdrawals from your account each calendar year.

Fees

  • For each withdrawal in excess of twelve during the calendar year you will be charged an excess withdrawal fee of $5.00.

All accounts and certificates of deposit are subject to the bank's Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule, which are subject to change. There may be additional charges and fees for services, as set out in the Deposit Account Terms and Conditions and Interest, Fees & Charges Schedule.

For additional information or to open an account, please contact a bank representative.