1Additional account related fees or service charges may be assessed based on how you use the account, ask for more details. 2$20,000 Accidental Death Benefits. Benefits are split between account holders. One Identity IQ Protect Pro Plan, Identity Theft 911™. Shopping/Travel & Attraction Discounts. 3Consult your tax advisor regarding tax benefits. 4Federal Transaction Limitations will apply, ask for more details. 5A penalty may be imposed for early withdrawal of Certificate of Deposits and IRA Certificates. Interest is compounded quarterly on terms of 12 months or longer. Fees may reduce earnings on the account. 6If you use an ATM that is not operated by Exchange Bank, you may be charged a fee by the operator of the machine and/or by any network used. 7Account holders under the age of 19 are charged a reduced fee.