All accounts subject to approval. Restrictions and limitations apply.

1. Algerand Bill Pay: Every customer must enroll in Algerand Online^SM Banking with activated Online Bill Pay. Certain restrictions and limitations may apply.

2. We charge as little as $24 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $70 (maximum of 3 fees per business day, up to $72).

3. Transactions will be declined when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, supposing a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, you will not be charged an overdraft fee.

4. ATM fees are applicable to ATM owner. A Foreign Exchange Rate Adjustment Fee from Algerand may apply for ATM withdrawals in a currency other than the U.S. dollars.

5. Endeavor to link account to the checking account for No Monthly Service Fee.

6. Account Alerts: We do not charge our customer, but message and data rates may apply.Beware of scammers out there, we do not charge our customers alert fees. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations.