| SmartBanker I Telephone Banking |
| Monthly Charge: FREE |
| Special Features: SmartBanker I lets you check your account balance, transfer funds, find out if a check has cleared or take care of most routine banking from any touch-tone phone. Call 315-BANK (315-2265) or 1-800-834-2807. |
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| SmartBanker II Internet Banking |
| Monthly Charge: FREE |
| Special Features: SmartBanker II lets you bank 24/7 any time you’re connected to the Internet. Our online banking website is secure and easy to use. FREE bill pay also available. |
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| SmartPay Internet BillPay |
| Monthly Charge: FREE |
| Check Writing: Yes |
| Special Features: Unlike other banks, we never charge you for the convenience of paying your bills online. With us, you save the stamp and the fee. |
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