* Information on Inactive Accounts.  This provision applies only to Free Checking, 50+ Free Checking, Free Interest Checking and 50+ Free Interest Checking account holders.  An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days.  Customer-initiated activity includes deposits and withdrawals but does not include any fees and charges, which may be assessed to the account by the Bank.  Once your account becomes an inactive account (no activity for 92 consecutive days), you will be notified your account may be converted to a Check-for-Less account, which will be subject to the pricing schedule for Check-for-Less accounts.  Your account will be converted to a Check-for-Less account 30 days following our notice to you unless prior to the end of the 30-day period:

†For accounts opened in Iowa, this fee is subject to Iowa State Sales Tax of 5%, which will be assessed at the time the fee is charged, unless exempt.