Account Title	Balance Requirements	Monthly Charges	Interest Information	Other Importat Information
Freedom Checking, Senior and Student Click Here to Open Account View disclosure	$100 minimum deposit	$0 service charge if you maintain one of the following relationships as disclosed under Other Important Information. If below $500: 400-499 = 5 300-399 = 6 200-299 = 7 199-lower = 8	This account does not earn interest	Automatic Loan Payment, Direct Deposit, Money Market Account, Savings, CD with $1,000 balance, if you are a Student or Senior (62 or older) or if you maintain a balance of $500 or greater.
There will be a $25 fee if the account is closed within 180 days of the opening date.
IncomePlus Checking Account Click Here to Open Account View disclosure	$1,000 minimum opening balance $500 minimum balance.	No service charges with a minimum balance of $500. If minimum not maintained, then $10.	Tiered Interest Bearing Checking Account. Click here for rates.	Unlimited check writing. No charge for ATM/VISA� Check Card, and 24-hour access through EZACCESS TELEPHONE BANKING.
There will be a $25 fee if the account is closed within 180 days of the opening date.
Premier Checking Click Here to Open Account View disclosure	$100 to open. No minimum balance requirement.	$7 monthly fee.	This account does not pay interest.	Unlimited check writing, Short Notice Travel Advantages, Safe Deposit Discounts, Certificate of Deposit Bonus rate of .25% (1 time only), 400 Free Checks, Hotel and Motel Discounts, No Fee Traveler's Checks, Free Issuance of Money Orders and Cashier Checks, $5.00 Stop Payment Discount, $10,000 Accidental Death and Dismemberment Insurance and $20,000 Common Carrier - Credit Card Registration, Interest Option, and Reduced Rates On Installment Loan of $5,000 or more (credit approval necessary). Discounts on Prescriptions Living Family Journal
There will be a $25 fee if the account is closed within 180 days of the opening date.
Senior Premier Checking Click Here to Open Account View disclosure	$100 to open. No minimum balance requirement.	$4.00 monthly fee.	This account does not pay interest.	Unlimited check writing, Short Notice Travel Advantages, Safe Deposit Discounts, Certificate of Deposit Bonus rate of .25% (1 time only), 400 Free Checks, Hotel and Motel Discounts, No Fee Traveler's Checks, Free Issuance of Money Orders and Cashier Checks, $5.00 Stop Payment Discount, $10,000 Accidental Death and Dismemberment Insurance and $20,000 Common Carrier, Credit Card Registration, Interest Option, and Reduced Rates On Installment Loan of $5,000 or more (credit approval necessary). Prescription Discounts Living Family Journal
There will be a $25 fee if the account is closed within 180 days of the opening date.
Premier IncomePlus Checking Click Here to Open Account View disclosure	$1,000 minimum opening balance $500 minimum balance.	$7.00 monthly fee.$10 fee if minimum balance is not maintained.	Tiered Interest Bearing Checking Account. Click here for rates.	Same as Premier and IncomePlus checking accounts.
There will be a $25 fee if the account is closed within 180 days of the opening date.
Senior Premier IncomePlus Checking Click Here to Open Account View disclosure	$1,000 minimum opening balance or $1,000 minimum balance.	$4.00 monthly fee. $10 fee if minimum balance is not maintained.	Tiered Interest Bearing Checking Account. Click here for rates.	All of the benefits of the Premier and IncomePlus checking accounts.
There will be a $25 fee if the account is closed within 180 days of the opening date.
FunTimer Travel Checking Click Here to Open Account View disclosure	$100 minimum to open the checking account. $10,000 deposit relationship with the bank.	Service charge of $7.00 if 10,000 balance not maintained in any combination of ESB deposit accounts.	Tiered Interest Bearing Checking Account. Click here for rates.	Free photocopy service for important personal documents, Free safe deposit box (3"x5"x21") for the first year, or credit toward a larger box, Free checkbook balancing, Free Annual Stock/Bond Portfolio Valuation and Consultation, Free review and Safekeeping Service, Annual Estate Planning Consultation, Free Auto License/Sticker Service, Notary and Signature Guarantee Service Free, Free Social Security Card Laminating, FunTimer Identification Card, Unlimited Traveler's Checks with no Service Charge, Luggage Tag, Line of Credit with a Gold VISA� with no Annual Fee, and You or your spouse must be at least 55 years of age. Free Checks
There will be a $25 fee if the account is closed within 180 days of the opening date.
Corporate Direct Account Click Here to Open Account View disclosure	No minimum balance- Opening deposit of $100.	No monthly service charge	Tiered Interest Bearing Checking Account. Click here for rates.	Unlimited Check Writing, Your employer must direct deposit your payroll through Effingham State Bank Cash Management Option, Receive loan rate discounts for loan closings of $5,000 or more, and Receive reduced documentation fee for consumer loans in excess of $5,000.
There will be a $25 fee if the account is closed within 180 days of the opening date.