# Checking

Grow with the flow.

We understand that each person’s financial goals are unique. That’s why we offer checking account choices that can flex to fit your needs. Want the convenience of Early Direct Deposit? Looking to earn interest on your account balance? Whatever your goals are, we’ve got you covered. Check.

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## Free Checking Plus1

Convenient banking tools that flex to your unique account needs, with no balance requirement or monthly service charge.

Schedule An Appointment
Open Account
Account Features

### NO MONTHLY SERVICE FEE

### EARLY DIRECT DEPOSIT2

### OVERDRAFT GRACE3

No overdraft fee if overdraw account by $25 or less

### LOAN RATE DISCOUNT4

### OVERDRAFT FEE PASS 5

One overdraft or non-sufficient funds fee waiver per year

### ADDITIONAL FEATURES

- Free Penn Community Bank ATM Network
- No Penn Community Bank fee on non-network ATM transactions6
- Visa® Debit Card Instant Issuance
- Debit Card Purchase Rewards7
- Zelle®9
- Free eStatements

## Student Checking

Checking for students and young adults, ages 13-23, getting started on their financial journey.8

Schedule An Appointment
Open Account
Account Features

### NO MONTHLY SERVICE FEE

### EARLY DIRECT DEPOSIT2

### OVERDRAFT GRACE3

No overdraft fee if overdraw account by $25 or less

### OVERDRAFT FEE PASS5

One overdraft or non-sufficient funds fee waiver per year

### ADDITIONAL FEATURES

- Free Penn Community Bank ATM Network
- No Penn Community Bank fee on non-network ATM transactions6
- Debit Card Purchase Rewards7
- Zelle®9
- Free eStatements

## Relationship Checking

Enjoy additional benefits and features for maintaining a higher checking balance or having additional banking products.

Schedule An Appointment
Open Account
Account Features

### MONTHLY SERVICE FEE

$0 or $10, waived by either:

- Maintaining average balance of $1,500 or more in the checking account, OR Combined current balance for deposit and/or loan accounts of $15,000 or more10, OR
- Monthly direct deposits totaling $2,500 or more, OR
- Primary account owner age 50 or older.

### EARNS INTEREST

### OVERDRAFT GRACE3

No overdraft fee if overdraw account by $25 or less

### OVERDRAFT FEE PASS5

One overdraft or non-sufficient funds fee waiver per year

### LOAN RATE DISCOUNT4

### ADDITIONAL FEATURES

- Free Penn Community Bank ATM Network
- No Penn Community Bank fee on non-network ATM transactions6
- Debit Card Purchase Rewards7
- Zelle®9
- Preferred deposit rates11
- One free box of checks per year12
- 50% discount on safe deposit box rental13
- Free paper or eStatements

## Access Checking

A checkless fresh start option for safe and easy access to managing your money, with all of the basics, and no overdraft/non-sufficient funds services or fees14

Schedule An Appointment
Account Features

### MONTHLY SERVICE FEE

$0 or $4, waived by:

- Monthly direct deposits totaling $500 or more.

### LOAN RATE DISCOUNT4

### ADDITIONAL FEATURES

- Up to 4 free Money Orders per month
- Free Penn Community Bank ATM Network
- No Penn Community Bank fee on non-network ATM transactions6
- Visa® Debit Card Instant Issuance
- Debit Card Purchase Rewards7
- Zelle®9
- Free eStatements

All Accounts:

Penn Community Bank Consumer Schedule of Fees

All products and services are subject to standard account requirements and agreements. Eligibility requirements and restrictions may apply. Fees and additional terms and conditions may apply. Fees may reduce earnings. Account and service features, terms and conditions subject to change in accordance with applicable laws and agreements. Ask for full details.

1Free Checking Plus accounts offer no minimum balance requirement and no monthly service charge or fee. Fees may apply for other services. Please see our Schedule of Fees for details.

2Receive your payroll up to 48 hours before payday. Funds will be made available on the day the payment file is received from your employer, which may be up to 2 days earlier than the scheduled payroll date.

3An Overdraft occurs when there are insufficient available funds in your account to cover an item presented for payment. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction that would overdraw your account. We may charge a Nonsufficient funds (NSF) fee (Insufficient or Uncollected funds fee) for an Overdraft item, whether the item is paid or returned unpaid. Overdraft Grace waives the standard Overdraft fee for items that are paid or returned (currently $35) that would overdraw your account by $25 or less. You should make every effort to bring your account balance positive as promptly as possible. Overdraft Grace benefit applies to check, debit card and ACH debits only; does not apply to ATM withdrawals, teller transactions, or internal or external account transfers. Overdraft Grace is not available on Access Checking accounts, as they do not have Overdraft services.

4Receive up to a .25% discount on personal and home equity loan and line of credit rates for automatic deduction of monthly loan or line of credit payment from a Penn Community Bank checking or savings account, which is required to receive rate discount, but not loan approval. All loans and lines of credit subject to approval

5Customer may request and receive 1 refund per year of Overdraft or NSF fees assessed on account.

6Fee waiver applies to Penn Community Bank non-network ATM fees only. ATM transactions at non-Penn Community Bank ATMs may be subject to surcharge from the non-Penn Community Bank ATM institution/owner. For a complete list of free in-network ATMs visit PennCommunityBank.com/Locations.

7Earn cash back rewards on everyday purchases at national retailers, when you shop through the Purchase Rewards Mall, conveniently accessed through your online or mobile banking dashboard. Cash back earnings will be posted to your checking account on net purchases (purchases – returns) on the 15th and last day of each month.

8Student Checking primary account owner must be between the ages of 13-23. 13- and 14-year-old primary owners are required to have a joint account owner 18 or older.

9Zelle® enrollment available for account owners age 18 or older.

10Combined balances include checking, savings, money market and time deposit current balances and/or consumer mortgage and home equity loan and line of credit current/drawn balances with same primary consumer checking account owner and Taxpayer Identification Number (TIN) as the Relationship Checking account. Consumer accounts with a different primary account owner and TIN and business accounts that the owner is a signer on are not included in combined balance calculations.

11Relationship Checking customers will be eligible for occasional Savings and Certificate of Deposit account promotional rate specials, when available. In addition, Relationship Checking is a tiered checking product, with the potential to earn a higher interest rate based on account balance, when tiered rates are offered. Balance and interest earning tiers for tiered rates are $0.01 - $4,999.99, $5,000.00 - $24,999.99, and $25,000.00+. Rates are variable and subject to change at any time and without notice. To view current account rates at any time, please visit PennCommunityBank.com/PersonalRates.

12Receive one box of standard Specialty checks per year. Fees may apply for other design types.

13Receive a 50% discount on the annual rental fee for 1 safe deposit box, any size, with the same primary owner as the Relationship checking account. Limit one discounted safe deposit box rental per customer.

14When there are insufficient funds available in the Access Checking account to cover an item presented for payment, the item will be returned unpaid. While no Penn Community Bank Overdraft or NSF fees are assessed, the payee may assess a returned item or other fees for nonpayment on the customer’s external account.

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