Personal Products and Services

Effective March 1, 2012

Checking Products

Sturdy Savings Bank offers a variety of personal checking accounts to satisfy your unique financial needs. For your convenience, all of our personal checking accounts include:

Free Online Banking and Bill Pay
VISA® Check Card
e-Statements available
Preferred rates on Certificates of Deposit
Toll free telephone banking
No minimum opening balance requirement

	Minimum Balance	Monthly Fee if Below Minimum Balance	Interest Bearing	Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***	Added Features
E-Checking	$100	$5	No	N/A	N/A	N/A	Reserved for depositors 18 - 45 No ATM transaction fees (foreign ATM surcharges may apply)
Student Checking	None	None	No	N/A	N/A	N/A	Reserved for students 18 - 25 E-Statements No ATM transaction fees (foreign ATM surcharges may apply) $10 maximum monthly rebate of foreign ATM surcharges (receipts required) Converts to E-Checking when depositor reaches 26
Regular Checking	$100	$5	No	N/A	N/A	N/A
NJ Consumer Checking	N/A	$3	No	N/A	N/A	N/A	8 free checks per monthly cycle $0.50 per check in excess of 8 Must maintain $1 minimum balance to remain active Monthly fee applies regardless of balance
NOW Checking	$100	$10	Yes	$100	.01%	.01%
Premier NOW Checking	None	None	Yes	$100	.01%	.01%	Reserved for depositors 45 or more No ATM transaction fees (foreign ATM surcharges may apply) Free specially designed checks

* Daily Balance (the amount of collected principal balance in the account each day).

** Current rates will be quoted at the time of opening an account or upon request (Call 609-463-5220).

*** Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. Fees may reduce earnings.

Account Disclosures