"NOW" CHECKING AND "CHECK-N-VEST" CHECKING ACCOUNTS

Offering convenient access via Debit card, Telephone or I-Banking, these interest bearing checking accounts are a great tool for managing your finances. On both, interest will be compounded daily and will be credited to your account monthly. You must deposit at least $ 100.00 to open either of these accounts and you must maintain a balance of at least $1,000 in the account each day to obtain the disclosed annual percentage yield. A fee of $ 7 will be imposed each statement cycle the balance in the account falls below $1,000 on any day of the cycle. Other restrictions apply. Refer to our rates and Account Disclosures for additional information.

NEW YORK BASIC CHECKING ACCOUNT

This is a non interest bearing account. You must deposit at least $ 25 to open this account. You must receive at least one direct deposit on a monthly basis in order to qualify for this account. You may make an unlimited number of deposits without incurring any additional charge.

A monthly service fee of $ 3 will be charged each month. Depositors aged over 65 are entitled to 12 transactions per statement cycle and depositors under age 65 are entitled to 8 transactions per statement cycle. An excess transaction fee of 50 cents will be charged for each debit transaction in excess of the limitations.