Regular Savings	Personal Money Market	Personal FIRST Money Market	Christmas Club
Earn Interest*
Minimum to avoid service charge	$200	$1,000	$10,000	N/A
Monthly service charge if balance falls below minimum	$5	$8	$25	N/A
Minimum opening deposit	$100	$100	$10,000	NO MINIMUM
Minimum balance to earn interest	$100	$1,000	$10,000	NO MINIMUM
Number of free withdrawals per month**	3 ($2 per each additional)	6 ($5 for each additional)	6 ($5 for each additional)	0 ($1 per withdrawal)
Statement cycle	Quarterly	Monthly	Monthly	N/A
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*Interest subject to balance requirements.
**By law, six third-party withdrawals or transfers allowed each month; three of which may be by check.  No limit on the number of withdrawals made in person.