Northern California National Bank

Personal Product and Services

Personal Services

Personal Checking	Heritage Checking
No minimum balance No monthly service fee Unlimited check writing privileges Earns interest on balances over $1,000.00 $100.00 to open	Customer’s 50 years & older No minimum balance No monthly service fee Unlimited check writing privileges Earns interest on balances over $1,000.00 Free corporate image checks Free Cashier’s Checks $100.00 to open

Personal Money Market	Personal Advantage Money Market
$2,500.00 minimum balance to avoid $7.50 monthly service fee Higher interest bearing account Limited transactions- six withdrawals per statement cycle, three in check form Excess transactions subject to $5.00 service fee per item $100.00 to open	$25,000.00 minimum balance to avoid $7.50 monthly service fee Special interest rates on balances over $25,000.00 Limited transactions- six withdrawals per statement cycle, three in check form Excess transactions subject to $5.00 service fee per item $25,000.00 to open

Personal Savings	Youth Savings
$200.00 minimum balance to avoid $5.00 quarterly service fee Earns interest Limited transactions-nine withdrawals per quarter Excess transactions subject to a $2.00 fee per item $100.00 to open	No minimum balance No quarterly service fee Earns interest $25.00 to open

On-Line Banking & Bill Pay

This is a free service that allows you to bank at your convenience 24 hours a day. From the comfort of your home or office you will be able to make transfers, pay loans, view account information, and pay bills.

ATM/Debit Cards
24 hour access to the funds in your account MasterCard logo for convenient purchasing power Can be used with a personal identification number or a signature, purchases are deducted from your checking account immediately

Savings Overdraft Coverage
Connect your Savings Account to your Checking Account to avoid costly NSF fees Checking Account balance will automatically trigger transfer from savings in minimum of $100.00 increments $3.00 fee per transfer

Certificate of Deposit
Maximize your yield, we offer competitive interest rates and a full range of terms to meet your needs Certificate of Deposit terms start at 31 days up to 5 years Please call us at 530-879-5900 for current rates

Individual Retirement Accounts
Keep your retirement safe and still watch it grow. IRA Certificate of Deposit terms start at 31 days up to 5 years Please call us at 530-879-5900 for current rates

Other Services
ATM Credit Cards & Debit Cards Safe Deposit Boxes	Internet Banking & Bill Pay Notary Service 24 Hour Phone Teller

Loans
We offer a wide range of Loan Products including: Consumer Loans Commercial Loans Agricultural Loans Construction Loans

*This foregoing is intended to depict �at a glance� some of the many features, benefits and fees of each product listed. This is not intended to be an all inclusive disclosure. You will receive a complete packet of required disclosures upon opening your new account.