$300^‡

‡To qualify for the $150 or $300 incentive, a qualifying new account must be opened by September 30, 2019 and be open and in good standing on the incentive payout date. Incentive will be credited to the qualifying account within 60 days after the 60-day qualifying period and all incentives will be paid out no later than December 31, 2019. ATM transactions are excluded. All qualifying transactions must post to the account by the end of the 60-day qualifying period. Relationship balances are calculated by adding the lowest daily balance that occurred in each of your deposit and loan accounts during the 60-day qualifying period. See your Relationship Banker for details on minimum balance requirements to open a new account.

We will charge an NSF fee of $36 for each item that overdraws your account. We will not charge more than 10 overdraft or insufficient funds fees to your account in one business day. Standard overdraft practices apply when you have authorized us to pay and we have agreed to pay checks and other transactions causing an overdraft through automatic bill payments and for checks and other transactions made using your account number. Whether your overdraft item will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft items if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 60 days of an overdraft. If an overdraft is not paid in full within this period, your account is subject to close. See a Personal Banker for details on minimum balance requirements and monthly maintenance fees for all deposit accounts.

*Requires separate enrollment for non-Premier accounts. Different enrollment fee may apply during the first calendar you are enrolled in the program. See program disclosure for additional details. A fee of $36 will be charged for each overdraft that exceeds the number refunded in any given calendar year that you are enrolled in the program. The refund of the Overdraft fee will typically be posted to your account no later than the next business day after the fee has posted to your account. If fewer overdrafts occur during each calendar year, only the number of overdraft fees posted to the account will be refunded. A refund of an overdraft fee does not indicate nor guarantee that the overdraft item will be paid and/or not returned to the presenter. Bank Independent reserves the right to terminate this program at any time, effective at the expiration of any calendar year.

**An NSF fee will not be charged to an account if the ending daily balance in the account is overdrawn by $5.00 or less.

***Senior Perks can be added to any Personal Checking account, but requires separate enrollment for non-Essential accounts.

†See account information on our website.

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