Personal Saving Terms and Disclosures

The Saver

  1. ATM Card available to qualifying customers. The Saver can be linked to a MasterCard Debit Card if a Checking Account is open.
  2. Other institutions may charge for ATM withdrawals.
  3. Internet or Mobile carrier fees may apply for data and text message usage.
  4. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5.00 Service Charge (SC) Excess Transaction Fee per withdrawal over six will apply.

 

Money Market

  1. ATM or Debit Cards available to qualifying customers.
  2. Other institutions may charge for ATM withdrawals.
  3. Internet or Mobile carrier fees may apply for data and text message usage.
  4. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5.00 Service Charge (SC) Excess Transaction Fee per withdrawal over six will apply.

 

The Christmas Club

  1. Internet or Mobile carrier fees may apply for data and text message usage.

 

OOPS™

  1. In order to qualify for the OOPS! Program, an account must be open for at least thirty (30) days and have no NSFs. Also, the account owner must be current on all loan obligations with LifeStore and the account must not be subject to any legal or administrative order or levy, such as bankruptcy or tax lien. Please review the complete OOPS! Policy for more details.
  2. For each overdraft we pay, we will charge the standard per item overdraft fee set forth in our fee schedule (currently $32.00). In addition, we will charge your account a $5.00 per day “daily negative balance fee”. Typically, we will start charging the daily negative balance fee after the tenth business day your account is overdrawn. Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. We reserve the right to require you to repay your overdrafts immediately or on demand.
  3. Overdraft lines of credit, as with all LifeStore loans, are made subject to credit approval.
  4. Savings and money market accounts are subject to a limit of six (6) transfers per statement cycle.