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	OPENING BALANCE	MINIMUM BALANCE	MONTHLY SERVICE CHARGE	INTEREST EARNED	PAYMENTS OR CHECK WRITING	EXCESS TRANSACTIONS	e-OPTIONS	STATEMENTS
FIRST STEPS KID SAVINGS	None	None	None	Yes, paid monthly	Yes (excludes check writing)	Unlimited in-person withdrawals. Pre-authorized transfers are limited to six per month.	Free e-Statements Free access to online statements Free on-line banking Free bill pay Free mobile banking	Free statement per cycle.
STEP ONE PERSONAL SAVINGS	$50.00	$50.00	$3.00 per month, if minimum balance is not maintained	Yes, paid monthly	Yes (excludes check writing)	Unlimited in-person withdrawals. Pre-authorized transfers are limited to six per month.	Free e-Statements Free access to online statements Free on-line banking Free bill pay Free mobile banking	Free statement per cycle.
STEP TWO PERSONAL MONEY MARKET SAVINGS	$100.00	$2,500.00	$15.00 per month, if minimum balance is not maintained	Yes, increases with higher balances and is paid monthly	Yes	Unlimited in-person withdrawals. Pre-authorized transfers are limited to six per month.	Free e-Statements Free access to online statements Free on-line banking Free bill pay Free mobile banking	Free statement per cycle.
STEP THREE PERSONAL MONEY MARKET SAVINGS	$100.00	$40,000.00	$25.00 per month, if minimum balance is not maintained	Yes, increases with higher balances and is paid monthly	Yes	Unlimited in-person withdrawals. Pre-authorized transfers are limited to six per month.	Free e-Statements Free access to online statements Free on-line banking Free bill pay Free mobile banking	Free statement per cycle.