Personal Banking

CHECKING ACCOUNTS

	Our great personal checking account offer just for you. With this account you get a Debit Card which has no fees charged by Berkshire Bank. (You may be assessed a fee by other banks for use of their ATM)  *If you make Internet Purchases, MasterCard Secure Code may be for you.

	For those who keep a high balance in their checking accounts, now you can earn interest on your balance while having unlimited check writing ability. With this account you get a Debit Card which has no fees charged by Berkshire Bank. (You may be assessed a fee by other banks for use of their ATM). *If you make Internet Purchases, MasterCard SecureCode may be for you. **APY=Annual Percentage Yield. This is a variable rate account, the rate may change after the account is opened. Fees may reduce the earnings on the account.

BERKSHIRE GOLD

         Especially for Seniors ( over 50)
 •Interest Checking Account with No Minimum Balance
 •Free Checks ( 2 orders per year)
 •1/2 Price Safe Deposit Box
 •No Fee Money Orders
 •No Fee Cashier Checks
 •No Fee Travelers Checks
 •Debit Card

 
SAVINGS ACCOUNTS

	Always a competitive rate and easy access with your debit card, Online banking and Bank-by-Phone. *If you make Internet Purchases, MasterCard SecureCode may be for you.

Money Market Savings  •No Minimum Opening Deposit  •No fee if total deposit accounts exceed.......$1,000.00  •Monthly fee below $1,000 Daily Balance.....$      5.00  •Daily compounding of interest  •Monthly Statement with check imaging  •You may write up to 3 Checks per month on this account

	Great interest rate and check writing ability in one account. This also includes debit card, Online banking and Bank-by-Phone.

*MasterCard SecureCode

What is MasterCard Secure Code?                                                                                                        MasterCard SecureCode enables Debit MasterCard cardholders to feel more secure when making Internet purchases with their bankcards by enhancing their current MasterCard account with a secret code to protect against unauthorized use of their card when shopping at participating online merchants.

How will MasterCard Secure Code protect you?                                                                                When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and then your purchase will be completed.  If an incorrect SecureCode is entered, the purchase will not be completed.  Even if someone knows your credit or debit card number, the purchase cannot be completed without the SecureCode at a participating merchant.

How does MasterCard SecureCode work?                                                                                           Once you have registered and created your own SecureCode, you will be automatically prompted by our financial institution at checkout to provide your SecureCode each time you make a purchase with a participating online merchant.  Our financial institution quickly confirms your SecureCode and then the purchase is completed.  A customer's SecureCode will never be shared with the merchant.  The process is very similar to entering a PIN number into an ATM machine

Why should you register for MasterCard SecureCode?                                                                        Not only will it provide added security but you also have Zero Liability, which is the peace of mind knowing that you won't be responsible for unauthorized purchases.  If however, you do not wish to register you may be required to use another form of payment.

Click here to Register Now!

Certificates of Deposit  •Minimum Opening Deposit...........................$250.00  •Various terms and interest rates posted weekly.

	This account allows you to invest your money for extended time periods from 3 to 60 months at higher interest rates.

IRA Certificate of Deposit  •Minimum Opening Deposit...........................$250.00  •Various terms and interest rates posted weekly.

	For your retirement accounts you have a choice of terms and interest rates and tax-deferred interest. You can add to your IRA at any time.

MISCELLANEOUS SERVICES

Safe Deposit Box
3 x 5	$25.00 per year
3 x 10	$45.00 per year
5 x 10	$55.00 per year
10 x 10	$80.00 per year
Safe deposit boxes are a great way to keep your valuables secure. You may access your safe deposit box during normal banking hours.
Treasurers Checks	$ 5.00
Certified Checks	$10.00
ATM/Debit Replacement Card	$10.00
Collection Item	$15.00
Snapshot Statement Mailed	$ 5.00
Stop Payment	$10.00
Personal Money Orders	$ 3.00
Overdrafts/Uncollected (per day)	$30.00
Garnishments and Levies	$65.00
Wire Transfers
Outgoing, Domestic	$15.00
Outgoing, Foreign	$25.00
Incoming, Domestic or Foreign	$25.00
Pre-Authorized Overdraft Protection, per transfer	$ 3.00
Return Deposit Item	$ 5.00