Find the checking plan that is best for you...

FREE CHECKING
With direct deposit and check safekeeping*

$100.00 to open an account
No Monthly Maintenance Fee
No Per Check Fees
No Minimum Balance Required
Unlimited Check Writing
Free 24 Hour Telephone Banking
Free Internet Banking
No Annual Fee MasterCard CheckCard
No Fees on ATM Transactions at any ISB Community Bank Office

Note: If no direct deposit is made to this account REGULAR CHECKING service charges and minimum balances apply.

REGULAR CHECKING
No monthly service charge will be imposed on this account if you maintain any one of the following balances:

$200.00 Minimum Balance
$500.00 Average Balance
$1,000.00 Minimum Balance in a Statement Savings or Money Market Checking Account
$2,500.00 Minimum Balance in a Certificate of Deposit or Individual Retirement Account

If none of the balance requirements are met, the service charge will be $3.00 plus $0.20 per check/withdrawal for the month. A minimum of $100.00 is required to open this account.

INTEREST CHECKING ACCOUNT
No monthly service charge will be imposed on this account if you maintain a minimum balance of $1,000.00.

This account has a variable interest rate which may change weekly. Interest compounds monthly. Please ask us for the current annual percentage yield.

If the minimum balance requirement is not maintained, the service charge will be $5.00 plus $0.20 per check/withdrawal for the month.

MONEY MARKET CHECKING
No monthly service charge will be imposed on this account if you maintain a minimum balance of $1,000.00.

The account is limited to no more than six preauthorized and/or automatic transfers and withdrawals (including telephone and internet banking transfers) during a calendar month. No more than three of these withdrawals may be made by a third party check. There is no limit on the number of in-person withdrawals.

This account has a variable interest rate which may change weekly. Interest compounds monthly. Please ask us for the current annual percentage yield.

If the minimum balance requirement is not maintained, the service charge will be $5.00 plus $0.25 per check/withdrawal for the month.

Each debit in excess of regulatory limitations may result in a charge of $2.00 per item.

PREMIER CLUB CHECKING ACCOUNT
FOR MEMBERS 50 and OLDER

No monthly service charge will be imposed if you maintain a minimum balance of $2,500.00 in this account or a minimum balance of $2,500.00 or more in a Savings Plan, Money Market Checking or Time Deposit. If the minimum balance requirements are not met, the service charge will be $7.50 for the month. The minimum balance requirement and service charge are waived for persons 62 and older.

Members receive at no additional charge:

Personalized Premier Club checks (pertains only to Premier Club checking)
Interest on account
Account activity printout
CheckCard or ATM Card
Traveler's Checks, Money Orders, & Telephone Transfers
Copies of personal documents
"Premier Club Times" newsletter
Discounts on club trips and special events. *CHECK SAFEKEEPING

• We store your canceled checks safely and securely.
• A copy of a check can be provided upon request.
• You continue to receive your monthly statement.
• You can view your check images online.
• Check Safekeeping is Free!