• Valid Identification.
• Valid Social Security Number.
• No negative check history.
• Minimum Opening deposit $50.00.
• No Minimum balance required to avoid service charge.
• No Activity or transaction fees. However, bank customer ATM, VISA Check Card, PC Banking and miscellaneous fees apply. (see schedule of fees)
• No interest earned or paid.
• Neither cancelled checks, nor Images returned with customer statement.
• Requires use of duplicate checks. 1st order of checks free. (bank may limit style)
• 2 free check copies, per statement cycle, at no charge, then bank's customary copy fee(s) apply.
• $300.00 Overdraft Privilege limit after new account is open at least 30 days and has deposits of $300.00 or more. (See service description)
• No monthy Serice charges.
• Refer to Customer Service Rep for Service Description.

Minimum to Open: $250.00

Minimum Balance	Monthly Maintenance Fees
$750.00 or above	No Fee
$749.00 - $500.00	$3.00
$499.00 - $300.00	$6.00
$299.00 and Below	$10.00
Debits over 25 per month	$0.25

• Debit charges are waived on accounts with an average daily balance of $750.00 or greater.
• Insufficient/Overdraft fees may apply to overdrafts created by check, in-person, ATM, or other electronic means as applicable.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."

Minimum to Open: $1000.00

Monthly Maintenance Fees
Monthly Maintenance	$5.00
Each Credit	$0.20
Each Debit	$0.20
Each Transent Item	$0.08

• Commercial checking accounts receive a monthly earnings credit which is calculated on an average daily balance using a 7 day Treasury Bill rate.
• Insufficient/Overdraft fees may apply to overdrafts created by check, in-person, ATM, or other electronic means as applicable.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."

Minimum to Open: $50.00

Monthly Maintenance Fees
Monthly Maintenance	$2.50
Debits over 10 per statement cycle	$0.25

• One check order per year free. (Club Checks Only)
• Transfund Automatic Teller Card is not available on this account.
• Insufficient/Overdraft fees may apply to overdrafts created by check, in-person, ATM, or other electronic means as applicable.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."

Minimum to Open: $500.00

Average Daily Balance	Monthly Maintenance Fees
$2,500.00 and Above	No Charge
$2,499.00 and Below	$7.50
Each Debit	$0.20

• Debit charges are waived on accounts with an Average Daily Balance of $10,000.00 or greater.
• Insufficient/Overdraft fees may apply to overdrafts created by check, in-person, ATM, or other electronic means as applicable.

Interest is based on an Average Daily Balance according to the following tiers:

Average Daily Balance	Interest Rate	APY
$500.00 to $2,500.00
$2,500.00 to $25,000.00
$25,000.00 to $100,000.00
$100,000.00 and Over
Click here to see the Current Rate listing.

• Interest rate on this account is a variable rate. The interest rate and annual percentage yield for this account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at Triad Bank’s discretion.
• Interest begins to accrue on the business day the deposit is made.
• Triad Bank uses an average daily balance method to calculate interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period used is the actual number of days in the month.
• Interest is compounded and paid monthly to this account on an average daily balance of $500.00 or more. If the account is closed prior to the accrued interest being credited, the interest will be forfeited.
• Triad Bank reserves the right to require at least a seven (7) day notice of intent to withdraw funds.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."

Minimum to Open: $500.00

Monthly Maintenance & Withdrawal Fees
Average Daily Balance	Fees
$2,500.00 and Above	No Charge
$2,499.00 and Below	$7.50
Each Foreign Deposit item over 10 per statement cycle	$0.08
Each Debit over 10 per statement cycle	$2.00

Withdrawl & Transfer Limitations

• Withdrawals made in person, ATM, mail, or messenger are unlimited
• Transfers to another account or to third parties by pre-authorized (automatic), telephone, or computer transfer are limited to 6 per statement cycle.
• Excessive withdrawals may result in the account type being changed to comply with Federal regulations.
• No checks are permitted with this account.

Interest is based on the average daily balance according to the following tiers:

Average Daily Balance	Interest Rate	APY
$500.00 to $2,500.00
$2,500.00 to $25,000.00
$25,000.00 to $100,000.00
$100,000.00 and above
Click here to see the Current Rate listing.

• Interest rate on this account is a variable rate. The interest rate and annual percentage yield for this account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at Triad Bank’s discretion.
• Interest begins to accrue on the business day the deposit is made.
• Triad Bank uses an average daily balance method to calculate interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period used is the actual number of days in the month.
• Interest is compounded and paid monthly to this account on an average daily balance of $500.00 or more. If the account is closed prior to the accrued interest being credited, the interest will be forfeited.
• Triad Bank reserves the right to require at least a seven (7) day notice of intent to withdraw funds.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."

Minimum to Open: $1,000.00

Interest Information

The quoted interest rate and annual percentage yield on this account assumes interest remains on deposit until maturity. Any interest withdrawal will reduce earnings.

Compounding & Crediting

Interest is accrued on this account daily and will be paid as follows:

• Certificates of deposit with three (3) months or less maturity, will not compound and interest will be paid at maturity.
• Certificates of deposit with maturity greater than three (3) months will compound no more frequently than quarterly. Upon request, interest will be paid monthly, quarterly or at maturity by check.

Balance Computation Method

• Triad Bank uses the daily balance method to calculate the interest on this account. The method applies a daily periodic rate to the principal to the account each day.
• Interest begins to accrue on the business day the deposit is made.

Transaction Limitation

• Deposits may not be made to this account during the CD term (with the exception of credited interest).
• Withdrawals from principal may not be made from this account without Triad Bank's consent, except on or after maturity.
• For accounts that automatically renew, there is a ten (10) day grace period after each renewal date. During this time, deposits and withdrawals are permitted without penalty.

Early Withdrawal Penalty

If Triad Bank consents to a request for withdrawal that is otherwise not permitted, the customer may have to pay a penalty. The penalty will be an amount equal to:

• One month’s interest penalty with maturities of less than 180 days.
• Three months interest penalty with maturities 180 days to 3 years.
• Twelve months interest penalty with maturities 3 years and greater

Renewal Policy

• Certificates of Deposit are all automatically renewed. Each renewal term will be the same as the preceding term, beginning on the maturity date. The customer must notify Triad Bank within the 10 grace period of any changes to the certificate or if the customer chooses not to renew the certificate.
• The rate for each renewal term will be determined by Triad Bank on or just before renewal date and will be paid until the next maturity date.

Rates

Please check with our New Account Representative for a list of our current rates. Or, click here to see the Current Rate listing.

Minimum to Open: $100.00

Maintenance Fees

Daily Balance	Fees
$500.00 or Above	No Charge
$499.00 and Below	$2.00
This fee will be waived for senior citizens and minor children of our customers.

Withdrawal Fees

6 Withdrawals per quarter	No Charge
Over 6 Withdrawals per quarter	$2.00 each

Withdrawal & Transfer Limitations

• Withdrawals made in person, ATM, mail, or messenger are unlimited.
• Transfers to another account or third parties by pre-authorized (automatic), telephone, or computer transfer are limited to 6 per month.
• Excessive withdrawals may result in the account type being changed to comply with Federal regulations.

Interest is earned according to the following:

Average Daily Balance	Interest Rate	APY
$100.00 and Above
Click here to see the Current Rate listing.

• Interest is compounded and paid quarterly. Interest on this account is a variable rate. The interest rate and annual percentage yield for this account may change at Triad Bank's discretion.
• Interest begins to accrue on the business day the deposit is made.
• Interest will only accrue on accounts with an average daily balance of $100.00 or more.
• If the account is closed prior to the accrued interest being paid, the customer will forfeit the accrued interest.
• Triad Bank uses an average daily balance method to calculate interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing the figure by the number of days in the period. The period used is the actual number of days in the quarter.
• Savings statements are mailed quarterly (or more frequently if you have Electronic Transfers).
• Triad Bank reserves the right to require at least a seven (7) day notice of intent to withdraw funds.
• Additional fees possible on this account are included in our "Schedule of Fees and Services".

Minimum to Open: $500.00

Monthly Maintenance & Withdrawal Fees
Average Daily Collected Balance	Fees
$2,500.00 and Above	No Charge
$2,499.00 and Below	$7.50
Each Foreign Deposit item over 10 per statement cycle	$0.08
Each Debit over 10 per statement cycle	$2.00

Withdrawl & Transfer Limitations

• Withdrawals made in person, ATM, mail, or messenger are unlimited
• Transfers to another account or to third parties are limited to 6 per statement cycle.
• Excessive withdrawals may result in the account type being changed to comply with Federal regulations.
• No checks are permitted with this account.

Interest is based on the average daily collected balance according to the following tiers:

Average Daily Collected Balance	Interest Rate	APY
$500.00 to $2,500.00
$2,500.00 to $25,000.00
$25,000.00 to $100,000.00
$100,000.00 and above
Click here to see the Current Rate listing.

• Interest rate on this account is a variable rate. The interest rate and annual percentage yield for this account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at Triad Bank’s discretion.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. (for example, checks)
• Triad Bank uses an average daily collected balance method to calculate interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period used is the actual number of days in the month.
• Interest is compounded and paid monthly to this account on an average daily collected balance of $500.00 or more. If the account is closed prior to the accrued interest being credited, the interest will be forfeited.
• Triad Bank reserves the right to require at least a seven (7) day notice of intent to withdraw funds.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."

Minimum to Open: $10,000.00

Monthly Maintenance & Withdrawal Fees
Minimum Daily Balance	Fees
$10,000.00 and Above	No Charge
Less than $10,000.00	$15.00
Each Debit over 6 per statement cycle	$15.00

Withdrawl & Transfer Limitations

• Withdrawals made in person, ATM, mail, or messenger are unlimited
• Transfers to another account or to third parties by pre-authorized (automatic), telephone, or computer transfer are limited to 6 per statement cycle.
• Excessive withdrawals may result in the account type being changed to comply with Federal regulations.
• No checks are permitted with this account.

Interest is based on the Minimum Daily Ledger Balance according to the following tiers:

Minimum Daily Balance	Interest Rate	APY
$10,000.00 and Above	90 Day T-Bill Rate
Less than $10,000.00	2.5% below current 90 Day T-Bill Rate
Click here to see the Current Rate listing.

• Interest on this account is a variable rate. The interest rate and annual percentage yield for this account is based on the 90 day T-Bill rate. The interest rate and annual percentage yield will be adjusted weekly.
• Interest begins to accrue on the business day the deposit is made.
• Triad Bank uses a daily ledger balance method to calculate interest on this account. This method applies a periodic rate to the daily ledger balance in the account for the period.
• Interest is accrued on a daily ledger balance and paid monthly to this account at the end of the statement cycle. If the account is closed before the accrued interest is credited, the accrued interest will be forfeited.
• Triad Bank reserves the right to require at least a seven (7) day notice of intent to withdraw funds.
• Due to the high interest rate earned on this account, no service charges will be waived.
• The 90 day Treasury Bill bid rate as quoted in the Wall Street Journal. The rate will change every Tuesday or on Wednesday if Monday is a holiday. If no 90 day rate is quoted then the rate for the closest number of days below the 90 days will be used.
• Additional fees possible on this account are included in our "Schedule of Fees & Services."