The Bath State Bank

This disclosure contains information about terms and fees for some of the accounts we offer.

Basic Checking Account

Rate Information: This account does not earn interest.

Limitations: A deposit of $25 is required to open this account.

Account Fees: No minimum balance required; however, if your balance falls into the negative — a bounce protection fee or non-sufficient funds fee could apply.

Golden Harvest Checking Account

Rate Information: This account does not earn interest.

Limitations: A deposit of $25 is required to open this account. Account holder must be 62 years of age or older.
Account Fees: No service charge for a minimum balance will be assessed. ATM card issuance and activity charges are also waived.

Now Checking Account

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are disclosed on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate and annual percentage yield on the account monthly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks) if received by 2 p.m. Interest will compound monthly. Interest will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: A deposit of $750 is required to open this account.

Account Fees: A service charge of $6 will be assessed each statement cycle if your daily account balance falls below $750.

Super Now Checking Account

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are disclosed on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate and annual percentage yield on the account monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks) if received by 2 p.m. Interest will compound monthly. Interest will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: A deposit of $2,500 is required to open this account.

Account Fees: A service charge of $10 will be assessed each statement cycle if your daily account balance falls below $2,500.

Early Harvest Money Market Account

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are disclosed on the Rate Chart. The rates are tiered according to the balance; $0-$24,999; $25,000-$49,999; $50,000-$99,999; $100,000-$149,9999, and $150,000 and over. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate and annual percentage yield on the account monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks) if received by 2 p.m. Interest will compound monthly. Interest will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The balances are tiered, with different rates being paid as the balance moves within the tiers. If the balance changes within the month, the rate also changes to match the balance.

Limitations: A deposit of $5,000 is required to open this account. Transfers from an Early Harvest account to another account or to third parties by preauthorized, automatic, telephone or ATM (to third parties only) transfers are limited to six per statement cycle, with no more than three by check, draft, debit card or similar order to third parties.

Account Fees: A service charge of $12 will be assessed each statement cycle if your daily account balance falls below $5,000. A per check charge fee of $12 will be charged for each check paid in excess of three during a statement cycle. Exceeding the limitations on this account could result in the transfer of this account to another type of account.

Passbook Savings/Kids Club Account

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are disclosed on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate and annual percentage yield on the account monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks) if received by 2 p.m. Interest will compound quarterly. Interest will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: A deposit of $5 is required to open this account. A $5 minimum balance is required to maintain the account. If you fail to maintain the minimum balance, we reserve the right to close the account or transfer the funds to an existing account. You may make twelve withdrawals per quarter. The limit does not include preauthorized transfers, ATM transactions or Bank-Easy transfers.

Account Fees: No service charge for a minimum balance will be assessed. A $.50 fee will be assessed for each withdrawal exceeding the limit.

Member FDIC