Savings Accounts

• Interest bearing
• Minimum opening deposit of $50.00
• Minimum average daily balance of $200.00 to obtain disclosed APY
• Limitations on frequency of transfers

See rate sheet and account disclosure for details

Your interest rate and annual percentage yield may change.
Determination of Rate. At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes. We may change the interest rate on your account at any time.
Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.
COMPOUNDING AND CREDITING. Interest will be compounded quarterly and will be credited to the account quarterly. If you close your
account before interest is credited, you will receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS. You must deposit $50.00 to open this account.
You must maintain a minimum daily balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.
BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily
periodic rate to the principal in the account each day.
ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
TRANSACTION LIMITATIONS. You may make 6 withdrawal(s) from your account every month.

• Interest bearing
• Minimum opening deposit of $2,500.00
• Minimum average daily balance of $2,500.00 to obtain disclosed APY
• Maintain daily balance of $2,500.00 to avoid fees
• Limitations on frequency of transfers
• Fees apply for excessive debit transactions

See rate sheet and account disclosure for details

Your interest rate and annual percentage yield may change.
Determination of Rate. At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes. We may change the interest rate on your account at any time.
Limitations on rate Changes. There are no maximum or minimum interest rate limits for this account.
COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to the account monthly. If you close your
account before interest is credited, you will receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS. You must deposit $2,500.00 to open this account. A service fee of $15.00 will be imposed every
statement cycle if the daily balance on any day of the statement cycle falls below $2,500.00.
You must maintain a minimum daily balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily
periodic rate to the principal in the account each day.
ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
TRANSACTION LIMITATIONS. You may make 6 withdrawal(s) from your account every month.
Fees and Charges. The following fees and charges apply to this account:
- Debit Item Charge: A debit item charge fee of $3.00 will be charged for each debit transaction in excess of six during a statement cycle.

Planning to buy a savings bond?

Paper savings bond will no longer be sold at financial institutions after December 31, 2011. However, they are not going away - electronic savings bonds can be purchased online through Treasury Direct.

Already have paper savings bonds?

Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to cash savings bonds at Johnson City Bank.

Open a Free TreasuryDirect account today.

With TreasuryDirect, you can safely and securely:

• Buy, manage and redeem electronic savings bonds
• Convert paper savings bonds to electronic
• Purchase electronic savings bonds as gifts
• Purchase other Treasury securities, including bills, notes, bonds and TIPS.

Stop worrying about misplacing or storing paper savings bonds and start managing them through your savings online at TreasuryDirect.

Sign-up today at www.treasurydirect.gov.