Bank of Cleveland

Bank of Cleveland Personal Accounts

Personal Checking Accounts

Bank of Cleveland offers a wide array of checking products to satisfy your unique
needs. All of our checking accounts come with an easy to understand monthly
statement, free Visa check card, Free Internet Banking & Bill Payment Services & Free
Touch Tone Banking. Any of our checking accounts can be opened with as little
as $100.00.

Simple Relationship Banking
With a combined deposit relationship of $15,000 or over, the monthly service charge is
waived!

Free Checking
Free Checking is absolutely free. There is no monthly service charge. Features include

Unlimited Check Writing
Monthly Statement
Free Visa Check Card
Free Touch Tone Banking
$100 Bounce Protection Limit
Free Internet Banking

Basic Checking
This account is great for students and individuals who write a few checks a month and
also enjoy using their Visa check card. The monthly service charge of $5.00 is waived
with a combined deposit relationship of $15,000 or over. You have unlimited use of
your Visa check card and unlimited ATM transactions! This account allows you to
write 5 checks per month. Each check over that limit will be assessed a .50 cent fee.
Features include:

Free Visa check card
Free Touch Tone Banking
Free Internet Banking
Free Bill Payment Service
Monthly Image Statement
$300 Bounce Protection Limit

Classic Checking
Classic Checking is perfect if you are an active check writer. The monthly service
charge of $10 is waived with a minimum balance of $500, an average balance of $1500,
or a combined deposit relationship of $15,000 or over. Features include:

Unlimited Check Writing
Free Visa Check Card
Free Touch Tone Banking
Free Internet Banking
Free Bill Payment Service
Monthly Image Statement
$500 Bounce Protection Limit.

Premiere Checking
The perfect package or "club" account! The monthly service charge of $12.00 is
waived with a combined deposit relationship of $15,000 or over. Features include:

Unlimited check writing
Free checks
Interest on qualifying balances
Free Visa check card
Free Cashiers Checks
Free Touch Tone Banking
Free Internet Banking
Free Bill Payment Service
Premium CD rates
Monthly Image Statement
$500 Bounce Protection Limit

Premiere Gold Checking
If you are 50 or older, this is the best account around! The monthly service charge of
$12.00 is waived with a $100 minimum balance or a combined deposit relationship of
$15,000 or over. Features include all the benefits of Premiere Checking plus access to
special monthly events and trips throughout the year. This account includes $500
Bounce Protection Limit.

Interest Checking
Interest Checking keeps your money available for immediate and unlimited access
while earning interest. The higher the balance, the higher the interest. The monthly
service charge of $10.00 is waived if the daily balance is $1,500 or higher, a $2500 average balance or a combined deposit relationship of $15,000 or over. Features include:

Unlimited check writing
Interest on qualifying balances
Free Visa check card
Free Touch Tone Banking
Free Internet Banking
Free Bill Payment Service
Monthly Image Statement
$1,000 Bounce Protection Limit

Money Market Checking
Money Market Checking is terrific for keeping your savings close at hand. This
account allows you to write up to 3 checks a month with unlimited withdrawal ability
at the teller window. The monthly service charge of $14 is waived with a minimum
balance of $5,000, a $15,000 average balance or a combined deposit relationship of
$15,000 or over. Features include:

Interest on qualifying balances
Free Touch Tone Banking
Free Internet Banking
Free Bill Payment Service
Free Visa Check Card
Monthly Image Statement

Premium Money Market Checking
This account is great for individuals who would like to earn a CD rate on a checking
account! You can write up to 3 checks a month and you have unlimited withdrawal
ability at the teller window. The rate of interest increases as your balance increases.
The monthly service charge of $14.00 is waived with a minimum daily balance of
$10,000, a $20,000 average daily balance or a combined deposit relationship of $15,000
or over. Features include:

Interest on qualifying balances
Free Touch Tone Banking
Free Internet Banking
Free Bill Payment Service
Free Visa Check Card

+ Excessive withdrawal fees and dormant fees may still apply.

* With Bounce Protection you will be charged $25 for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft protection and the fees may be imposed on transactions such as in-person withdrawals, by check, automated teller machine (ATM) withdrawals, debit card transactions, or other electronic means. You should repay your overdraft protection balance and bring your account to a positive balance within thirty days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.