Personal Checking

	Rewards Checking	Regular Checking	Check Plus	Now Checking	Regency Club Checking	Student Checking	Health Savings
Summary	This account offers a higher interest rate when qualifications are met.	Basic Checking Account	Club Account with many benefits for one low monthly fee.	Interest bearing checking	Club account for those 50 years or older and must maintain a minimum average daily balance of $5,000 in a deposit account or a minimum balance of $20,000 in a certificate of deposit.	A checking account for full-time students	Tax deferred earning and tax-free distribution for medical expenses
Minimum Opening	None	$100	$100	$1,000	None	$10	$100
Minimum Balance to avoid service charge	N/A	$400 daily or $1,000 average daily balance	N/A	$1,000 average daily balance	$5,000 Deposit Account or $20,000 CD	N/A	N/A
Monthly Service Charge	N/A	$8.00* (if balance falls below $400)	Plan A: $8.50* Plan B: $9.00*	$10.00* (if balance falls below $1000)	N/A	N/A	Annual fee of $25.00
Interest Bearing	Yes	No	Yes	Yes	Subject to account type	No	Yes
Interest Compounded and Credited	Monthly	N/A	Variable rate on balances of $1,000+	Variable rate on balances of $1,000+	Subject to account type	N/A	Variable Rate
Unlimited Checking Writing	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Per-Check Charges	No	No	No	No	No	Yes	No
Free E-Statement	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Free Debit Card	Yes	No	Yes	No	Yes	No	No
Free Personalized Checks	No	No	Yes	No	Yes	No	No
Additional Information	Consult team member for eligibility details.	N/A	Fees waived on Cashiers Checks & Money Orders	N/A	Fees waived on Cashiers Checks & Money Orders. Discount on Safe Deposit Box. Enjoy Regency Club events & activities.	A per item fee of $.20* will be charged for each paper debit transactions in excess of ten during a statement cycle.	$25 Setup fee. $25 Termination Fee. Consult your health plan provider or tax preparer to see if you qualify.

* Plus Iowa sales tax where applicable
**This is a Variable Rate Account with the annual percentage yield (A.P.Y.) subject to change at anytime at our discretion.