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Generations Gold Checking | Free Checking | Direct Teller | Safe Guard | Additional Services

The Family Club Checking Account like no other!!!

Discounts at over 140 Local Businesses

• No minimum balance
  
• No charge for "Generations Gold" checks
  
• 50% Reduction of Greenville Federal's fee for use of Non-Greenville Federal ATM's
  
• No monthly fee for GF Online Banking
  
• No monthly fee for Online Bill-Pay
  
• No fee for return of canceled checks in monthly statement
• Unlimited check writing
  
• Interest bearing (rates subject to change)
• By showing Generations Gold Card:
  
  • No fee Money Orders
    
  • No fee Teller Checks
    
  • No fee Cashiers Checks
    
  • No fee Travelers Checks (single signature)
    
• 20% Reduction in Yearly Safe Deposit Box Rental (based upon availability)
• No fee for Star/Visa Check Card (upon approval)

Visit Generations Gold for more savings opportunities on flights, hotels, rental cars, long distance telephone service and restaurant gift certificates

No Charge if you maintain:

• $1,500 Daily Balance in this Checking Account
  
• $2,500 Daily Balance in a Savings Account
  
• $10,000 Daily Balance in a Certificate
  
• A monthly membership fee of $8.00 will apply if none of the above are met
  
  

FREE CHECKING!

• No minimum balance
  
• No monthly service charge
  
• No monthly fee for GF Online Banking
  
• Unlimited check writing
  
• No fee for Star/VISA Check Card (upon approval)
  
• Cancelled checks held in Safekeeping
  
• Complimentary first order of 50 checks
  
• Checks must be purchased by customer
• Minimum Initial Deposit Required: $50.00

• No fee Money Orders or Teller Checks
  
• No fee Travelers Checks (single signature)
  
• No fee Special Greenville Federal Shadow Print Checks

Teller Direct

Greenville Federal's Teller Direct uses state of the art technology to provide you a 24-hour information service that is close as the nearest touch tone telephone.

• Account balances
  
• Savings and Checking account history
  
• Year-to-date interest received / paid
  
• Savings account history
  
• Previous year-to-date interest received / paid
  
• Fax of your 30-day checking history (1 free per statement cycle; additional faxed statement: $ 5.00)

• Savings Account
  
• Alternative Checking Account
  
• Previously established Line-of-Credit Account

• $10.00 Per day transaction fee whenever a transfer to your checking is needed

Additional Services

Star/VISA Check Card

There are no limitations on the number of times and dollar amounts you may deposit or transfer between your accounts.

ATM/Debit Card Transactions
You may withdraw up to $200, or the available balance of your account, whichever is less each day. You may also make point-of-sale purchases up to $200, or the available balance of your account, whichever is less, each day.

Visa Check Card
You may withdraw up to $500, or the available balance of your account, whichever is less, each day. You may also make point-of-sale purchases up to $500, or the available balance of your account, whichever is less, each day.

Fees for Star/Visa Checkcard Card Transactions

• Visa Check Card and Point-of-Sale Purchases: Free
  

• Greenville Federal ATMs: Free
  
• Other Star ATM's: $1.00
  
• Non Star/Plus ATM's: $1.50
  

• ATM access fee for all non-Greenville Federal terminals: $ .50

Fees assessed when applicable

Non-sufficient funds, per item	$24.00
Overdrafts/unavailable funds, per item	$24.00
Per-check fee for third party check returned to Greenville Federal	$10.00
Per-check fee when a customer's check is returned for non-sufficient funds	$24.00
Stop-payments	$24.00
Photo copy of canceled checks	$1.00
Copy of statements	$1.00
Certified check	$5.00
Cashiers check	$5.00
Teller check	$1.00
Outgoing wire transfer	$20.00
Incoming wire transfer	$10.00
Account balancing assistance (per hour)	$11.00
Value Checking - Checks returned with statement	$2.00
Printed check order varies according to style and quantity
Account research, (per hour, 1 hour minimum)	$11.00
Research copies (per page)	$0.25
Court ordered withdrawals, garnishment, or similar items, one time only	$11.00
Court ordered withdrawals, etc., weekly	$5.00

GF Online Banking Service Fees

Online Banking Usage for Checking Customers	Free!
Online Banking Usage for Non-Checking Customers	$2.00 per month
Bill-Pay for Generations Gold Checking Customers	Free on One Account
Bill-Pay for Free Checking Customers	Free if paying 3 bills per mo.otherwise $4.95 per mo
Online Bill-Pay Stop Payment	$25.00
Online Bill-Pay Non-sufficient Funds	$49.00
Multiple access IDs for same account	$2.00 per ID per month

INTEREST PAYMENT AND BALANCE COMPUTATION METHODS

Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account weekly.

Interest is compounded daily and credited monthly. To obtain the annual percentage yield you must maintain a minimum balance of $1.00 in the account each day. Interest begins to accrue on the business day you deposit non-cash items. If you close the account before interest is credited, you will receive the accrued interest.

We use the average daily balance method to compute interest. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.