Non-Interest Bearing Checking

Regular Personal Checking
Open a regular personal checking account with us and receive the benefit of unlimited check writing. You will also have access to Internet Banking, Telephone Banking, and receive an ATM card.

Feature and benefits
$100.00 minimum opening deposit Unlimited check writing, deposits, and withdrawals Free Access to Internet Banking ATM / Visa Debit Card² e-Notice Service (Various notifications)	Monthly statement with cancelled check images Customer Call Center Automated Telephone Banking No monthly service fee and no per check fee will be imposed if a minimum daily balance of $1,000.00 or an average daily balance of $3,000.00 is maintained.¹

Econo Personal Checking Account
Econo Personal Checking is ideal for indiviual with a low to moderate volume of account activity.

Feature and benefits
$ 25.00 minimum opening deposit Unlimited check writing, deposits, and withdrawals Free Access to Internet Banking ATM / Visa Debit Card² e-Notice Service (Various notifications)	Monthly statement with cancelled check images Customer Call Center Automated Telephone Banking No monthly service fee and no per check fee will be imposed if a minimum daily balance of $1,000.00 or an average daily balance of $3,000.00 is maintained.¹

Ezee Personal Checking Account
Low cost personal checking that allows for unlimited check writing. Internet banking service with bill payment and e-Notice Service are provided without charges. This account is ideal for those who don't want to deal with minimum balance requirements.

Feature and benefits
$100.00 minimum opening deposit Unlimited check writing, deposits, and withdrawals Free Access to Internet Banking ATM / Visa Debit Card² e-Notice Service (Various notifications)	Flat monthly service fee of $5.00 Monthly statement with cancelled check images Customer Call Center Automated Telephone Banking No minimum daily balance requirement

EFT Checking
This is a low cost personal checking account with no minimum balance requirements. Receive the benefits of unlimited deposits and withdrawals at any Nara Bank ATM. This account is perfectly suited for direct deposit.

Feature and benefits
$25.00 minimum opening deposit Unlimited deposits and withdrawals at Nara Bank ATMs Free Access to Internet Banking Automated Telephone Banking Customer Call Center e-Notice Service (Various notifications)

Basic NY Checking
Nara Bank offers special checking accounts for New York state residents. This is a low cost, low maintenance personal checking account.

Feature and benefits
$25.00 minimum opening deposit No minimum balance requirements Specialized for New York state residents Free Access to Internet Banking Automated Telephone Banking Customer Call Center

Other terms and fees may apply and are subject to change without prior notice except as required by law. Refer to product disclosure for complete list of fees or contact a Customer Account Representative for further assistance.

¹Average Daily Balance is calculated by adding the principle balance in the account for each day of the statement cycle and dividing the total amount by the number of days in the statement cycle.

²Access through the Nara Bank network is free; however, a fee may be charged for access through other ATM networks and may vary depending on the network provider.

³Transfer of funds from this account to another or to a third party by preauthorized, automatic, or telephone transfers are limited to six (6) per month. Each debit in excess of limitation will be imposed a $10.00 fee. Nara Bank reserves the right to convert your account to a non-interest bearing account or to close the account if limitations are violated frequently. Please ask for details.