Checking Accounts

Account Type	Minimum to open	Minimum Balance to Avoid Service Charge	Monthly Service Charge	Interest Earned	Check Images  in statement
New Generation	No Minimum	None	-0-	N/A	NO
Regular Checking	$100	$100	$7 if balance falls below $100	N/A	YES
Senior Accounts	No minimum	None	-0-	N/A	YES
Super Now	$500	$500	$7 if balance falls below $500	Paid Monthly on collected balance	YES
Money Market *	$2500	$2500	$7 if balance falls below $2500	Paid Monthly on collected balance	YES
Health Savings Account (Now Account)	$100	$300	$5 if balance falls below $300	Paid Monthly on collected balance	YES
Business Checking	$100	$100	$7 if balance falls below $100 **	N/A	YES

Other Related Charges:

$25 per Overdraft per item paid $25 returned item (NSF) $25 per stop payment $5 transfer charge to cover overdraft

$15 collection item $1 for account activity printout 20 per hour + $1.00 per copy for research

*Savings Account and Money Market restricted transactions

     Federal regulations limit the number of transfers from a Savings or Money Market Accounts.  No more than six transfers can be made during each thirty(30) - day statement cycle by pre-authorized transfer, automatic transfer or telephone transfer (including data transmission by computer or other electronic devices).  Of these six (6) transfers, no more than three (3) may be made by check, draft, or debit card.  By law, if the above limits are exceeded three (3) times in a twelve (12) - month period, the account will be changed to a different type of account. For the purposes of the transaction limitation, we count Money Market checks as of the date we post them to the account, not the date they were written.  An unlimited number of withdrawals may be made in person, by ATM, or by mail or messenger.

**Some business accounts may be subject to analysis, which may result in a monthly fee. Call or come in and see a customer service representative for details.

Click on the account names for more information about each account type.

The Bank of Commerce offers the following services with its checking accounts:

VISA Debit Card: Your Bank of Commerce VISA Debit card works just like a check - only better - with no interest charge or additional fee. It automatically debits your checking account for the amount of purchase only. Your debit card is accepted everywhere VISA is accepted.

Ready Reserve Line of Credit: This line of Credit is available to you (if approved) in the event your checking account has insufficient funds, saving you the cost and hassle of an overdrawn account.

TeleXpress: This easy-to-use service puts your account information at your fingertips 24 hours a day with a simple phone call from the comfort of your home or office.

Bankofcommerce.org: With our Internet Banking service, you have the flexibility of banking anytime, anywhere, you have access.

Direct Deposit: Enjoy the convenience of having access to your funds without going to the bank. You can authorize the Treasury or your employer to deposit your checks directly into your account.