personal savings

Saving Accounts	Simply Savings	Young Bankers	Savings Plus
Minimum balance to open	$100.00	$50.00	$1,000.00
Minimum balance to avoid service charge	None	None	Average daily balance of $2,500
Monthly service charge	None	None	$5.00
Compounding frequency	Quarterly	Quarterly	Quarterly
Interest posting frequency	Quarterly	Quarterly	Quarterly
Balance to earn interest	$0.01	$0.01	$1,000.00
Star ATM access	Unlimited-Free	n/a	n/a
Cirrus ATM access	$2.00 fee	n/a	n/a
Online Banking	Free	n/a	n/a
Online Bill Pay	n/a	n/a	n/a
Statement frequency	Quarterly	Quarterly	Quarterly
Number of withdrawals per month	Six debits per month, $2.00 for each debit over 6	Six debits per month, $2.00 for each debit over 6	Six debits per month, $2.00 for each debit over 6