Click Here for Personal Banking Deposit Account Standard Fees and Charges Schedule

<sup>1. One of the account holders must be 65 years of age or older.
2. Only new money (monies not currently held in an Abacus account) is qualified to open the Gold and Diamond Checking and Saving Accounts.
3. You may make no more than six (6) automatic or pre-authorized transfers from your savings account(s) per month. If you make more than six (6) transfers per month, the Excessive activity fees may apply.
4. You must be enrolled in Online Banking and E-Statement for this account. Valid student ID from an accredited school must be presented to open the account. Your account will automatically convert to an Abacus Everyday Checking account (or
comparable account) after 4 years, unless you provide us a valid student ID from an accredited school at such time, and so long as you maintain enrollment in such institution. You will be contacted 30 days prior to account conversion regarding
the terms and conditions of the account you will be converted to.
5. UTMA/UGMA means Uniform Transfers to Minors Act/Uniform Gift to Minors Act. This account will be subject to the Uniform Transfer/Gifts to Minors Act of the state where the account is opened. All funds deposited in the account irrevocably
become the property of the child, and are to be managed for the child’s benet by the custodian until the child reaches the age of 18 or 21, depending on state law, at which time the custodian is responsible for distributing the funds to the child.
6. This account is only oered in tandem with our Secured Credit Card Program. You may not make any transactions in this account. This account may not be closed unless 60 days has passed since the Secured Credit Card account has been paid
in full and closed.
7. The monthly maintenance service fee is waived for the rst two statement cycles to allow you to meet your account requirements. After the rst two statement cycles, the monthly maintenance service fee is waived if the requirements are met.
8. For accounts closed within 12 months of their opening date, the total Closing Credit received is required to be paid back to the Bank at account closing.
9. At the Bank’s discretion and subject to availability, complimentary Safe Deposit Box is only available for box size 2” x 5” or 3” x 5” (“small” size). In lieu of the complimentary box, you may choose instead a 30% discount on a dierent box size.
This benet is limited to only one box per account relationship, and in the case of multiple account-holders, limited to one box.
10. When you use a Non-Abacus ATM, you may be charged a surcharge fee by the Institution that owns the terminal or network including balance inquiries. We will waive up to $6 for this surcharge fee.
11. Your mobile carrier's message and data rates may apply.
12. We may charge an International service fee equal to 1% of the amount of the transaction when you use your debit card for any international transaction. An international transaction arises when you purchase goods from a vendor that is located outside
of the U.S. or if you use an ATM that is located outside of the U.S. This includes transactions done on the Internet when the vendor is located outside of the U.S. This fee applies regardless of whether the transaction is paid for in U.S. currency. The exchange
rate into U.S. currency will be the MasterCard rate in eect on the date of the transaction.
13. Abacus Bank does not charge a fee when you use your debit card or ATM card on another ATM that is owned by another Institution. However, you may be charged a surcharge fee by the Institution that owns the terminal or network including balance
inquiries.</sup>

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