Personal Savings

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Accounts	Regular Savings	Christmas Club	Child Savings	IRA Savings
Available for Personal or Business	Yes	Yes	Personal Only	Personal Only
Opening Deposit	$100	Set by Deposit Election	$25	$100
Interest Bearing See Current Rates	Yes	Yes	Yes	Yes
Maintenance Fee Imposed every statement cycle	$10.00 may apply if the average daily collected Balance falls below $50	$10.00 may apply if the average daily balance falls below $25	N/A	N/A
Per Transaction Fees**	$2.00 per transaction in excess of 4	$2.00 per transaction	$2.00 per transaction in excess of 2	$25.00 per each transaction
Overdraft or NSF Fee, each item	$30	$30	$30	$30
Bonus	No	If all deposit requirements are met and you have no withdrawals, you will receive your last week's deposit up to and not exceeding $20.00 as a bonus for making your weekly/monthly elected deposits. ***	No	No

** Transaction is defined as any withdrawal, check paid, automatic transfer or payment out of this account.
 
***Weekly deposits via ACH, Auto or Manual Deposit required unless other arrangements are made. If withdrawals or lack of weekly deposits occur during the account cycle, the last deposit to be made by the bank of up to $20.00 will be forfeited. If an account is opened after the November date, the customer will need to deposit the weeks that were missed in order to qualify for the bank bonus deposit. After you last deposit, the bank will deposit, to another Chelsea Savings Bank account of choice in your name, the total balance in your Christmas Club Account. If you do not have another account with us, we will provide you a check instead. ATM transactions and ACH withdrawals are not allowed on this type of account.