1. How much do I need to open a checking account?
   You will need to deposit the amount of your first box of checks. This amount is automatically deducted from your account.

2. How much are checks?
   Depending on the style of checks you choose, the cost is approximately $9.50 - $18.00 for personal size wallet duplicate checks with standard lettering.

3. How often do I get a statement?
   Statements are mailed out after the end of the month and include all transactions on your account for the previous month.

4. Do I get checks back with my statement?
   No, we keep checking account costs down by truncating checks at our clearing house. You can get a copy of a check on-line at 'NetBranch, or we can always order it for you.

5. How about overdraft protection?
   Our CheckLine is a line of credit accessed through the checking account. This line of credit is 13.9% APR and also acts as overdraft protection.

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