Demand Deposit Account Service

Demand Deposit Account Types

ACCOUNT FEATURES	DDA BASIC		DDA PREMIER
DDA Target Balance	$50,000/$250,000		$50,000/$250,000
FDIC Insured	•	•	•	•
FF Account with Interest Posted Daily	•	•	•	•
DDA & FF Account Statements Daily or Monthly	•	•	•	•
Fed Fund Line of Credit*	•	•	•	•
Fed/ICBB Settlement Agreements Required	N/A	N/A	•	•
1ST Look to Purchase ICBB Loan Participations	N/A	•	N/A	•
Monthly OPT IN Credit	N/A	•	N/A	•
OPT IN Agreement Required	N/A	•	N/A	•
BBCONNECT Access Level	BASIC	BASIC	FULL	FULL
BBCONNECT Maximum No. of Users	5	5	Unlimited	Unlimited
BBCONNECT Training Session ##	•	•	•	•
Settlement Wires Only	•	•	N/A	N/A
Monthly Account Maintenance	$250	No Charge	No Charge	No Charge
Monthly Settlement-Fixed Fee	N/A	N/A	•	•
Monthly Shareholders Discount if Applicable	•	•	•	•

* (Subject to Underwriting & Approval)

DDA BASIC
Account Overview & Features:
DDA Target Balance Requirement of $50,000.00 with a Monthly Account Maintenance Fee of $250.00
OR a DDA Target Balance Requirement of $250,000.00 with no Monthly Account Maintenance Fee.
Monthly Shareholder Discount with Stock Purchase
Agent Federal Funds and/or Fed Fund + Investment
DDA Overdraft Protection Incl. with approved FF Line of Credit.
BBCONNECT Basic Access with a Maximum of 5 users including Designated Security Officers
Unlimited Domestic Settlement Wire Transfer’s Only under the BBCONNECT Basic Configuration

DDA PREMIER
Account Overview & Features:
DDA Target Balance of $50,000.00 or $250,000.00
Monthly Settlement-Fixed Fee
Monthly Shareholder Discount with Stock Purchase.
In-House Data Processor Banks Receive Incoming ACH Informational File Delivery at No Charge.
DDA Overdraft Protection Included with approved FF Line of Credit.
Unlimited Debit/Credit Entries Posted.
Unlimited ACH Returns/NOC’s/Origination Files, Inter-Respondent Transfers, and Currency & Coin Orders.
BBCONNECT Full Access with Unlimited Users and (1) Free On-Site Training Session if requested.
Agent Federal Funds and/or Fed Fund + Investment.