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Fraud Information

NOTICE REGARDING FDIC INSURANCE CHANGE

8 Locations for Your Convenience

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The Term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

FOR MORE INFORMATION ABOUT TEMPORARY FDIC INSURANCE COVERAGE OF TRANSACTION ACCOUNTS, VISIT http://www.fdic.gov

Services

Regular Checking

1. No minimum amount required to open account.
2. Unlimited checking.
3. Monthly statement.
4. No minimum balance required.

Now Account Checking

1. No minimum balance required to open account.
2. Variable rate of interest paid monthly (ask for current rate).
3. Service Charge of $5.00 per month plus 20 cents per check.
4. Service Charge waived if:
   $500 average collected balance maintained in account. or
   $2,500.00 daily minimum balance maintained in Savings or Certificate of Deposit account.
5. Monthly statement - cancelled checks returned.
6. If balance falls below daily minimum balance, no interest is paid.

Money Market Account

1. $1,000.00 minimum amount to open account.
2. Variable interest rate paid monthly (ask for current rate).
3. Service Charge of $5.00 per month;
   25 cents per withdrawal.
4. Service Charge waived if $1,000.00 daily minimum balance is maintained.
5. Monthly statement.
6. If balance falls below daily minimum balance, no interest is paid.

Money Market Checking

1. $10,000.00 minimum amount.
2. Variable interest rate paid monthly.(ask for current rate)
3. A minimum balance fee of $20.00 per month will be imposed every statement period
   that the average daily balance for the statement period falls below $10,000 and
   the APY will be reduced to the current regular money market rate.

Premium Money Market Account

1. $25,000 minimum amount.
2. Variable interest rate paid monthly.(ask for current rate)
3. A minimum balance fee of $20.00 per month will be imposed
   if the balance falls below $25,000 any day of the month and
   the APY will be reduced to the current regular money market rate.
4. If the balance falls below $1,000, no interest is paid.

Regular Savings

1. No minimum amount required to open.
2. Interest paid quarterly (ask for current rate).

Certificate of Deposit

1. All types of certificates offered with different maturities.
2. Interest may be added to Certificate of Deposit, paid by check, or added to another account at Clare Bank.
3. Interest paid - monthly, quarterly, semi-annually or annually.
4. Ask about current rates and terms available.

Miscellaneous Services

Internet BankingClick here for more information or to enroll.

Overdraft ProtectionSee loan officer for details.

Credit Cards Mastercard and Visa Credit cards.

Free ATM and Debit Cards

Direct Deposit-Social Security, Government, and Payroll.

Deposit Items Returned For Non-Sufficent Funds

Checks charged back . . . . . . . . . . .$5.00 per check.

Non-Sufficent Funds and Overdraft Charges
A. Non-sufficient funds returned . . .$18.00 per check
B. Non-sufficient funds items paid . . .$18.00 per item
 

Stop Payment Order-$18.00

Wire Transfer Fees

Collection Fees
First $1,000.00 . . .$5.00
Over $1,000.00 . . .$15.00

Cashier's Check
$ 0 to $ 100 . . .$3.00
$101 to $1,000 . . .$5.00
$1,001 and over . . .$10.00

Money Orders
$ 0 to $ 50 . . .$1.00
$ 50 and over . . .$2.00

Traveler's Checks-$1.00 per hundred

Foreign or Special Collection Items
$10.00 plus additional costs incurred

Account Reconcilement
First Time . . .Free
Thereafter . . .$10.00/hour - minimum $10.00

Special Statements- $3.00

Garnishment/Tax Levy- $25.00

Notary Fee(non-customer)- $0.50

Fax- $2.00 first page - $1.00 each additional page.

Photocopies- $0.25

Bond Coupon Collection- $2.50 per issue

Indemnity Bonds(Lost Items)- $10.00

Dormant Account Fees (monthly fees)
A. Checking (one year no activity) . . .$3.00
B.Savings (two years no activity) . . .$1.00

Safe Deposit Box Fees

Lost Key . . . $ 10.00
Drilling . . . $175.00 minimum

Other Services
Agricultural Loans
Auto Loans
Commercial Loans
Consumer Loans
Credit Cards
FmHA Financing
Home Equity Loans
IRAs - Individual Retirement Accounts and HR10
Real Estate Mortgages
SBA Financing
State VA Loans
Student Loans
Trust Department Services
WHEDA (first time home loans)

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E-mail us at Mail@ClareBank.com

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