Disclosures

Fee Schedule for Personal Accounts 
Detailed information on all of our deposit accounts, the terms and conditions governing those accounts and a current schedule of our general fees.

Agreement for Deposit - Business Accounts (pdf)
Banking rules and regulatory requirements that apply to clients and the bank for business deposit accounts.

Agreement for Deposit - Consumer Accounts (pdf)
Banking rules and regulations, directions for what to do about lost or stolen checks or cards, specifics on Electronic Funds Transfers, our Availability of Funds Policy and our Overdraft and Check 21 policies.

Agreement to Receive Electronic Communications (pdf) 

Business Debit Card Overdraft Choice Form

Business Resource Plus Card Agreement

Card Control Terms and Conditions

Digital Wallet Terms and Conditions (pdf)

Electronic Funds Transfer Notice of Disclosure (pdf)
Updated May 2018

External Transfer Terms and Conditions (pdf) 

Health Savings Custodial Account Agreement (pdf) 

Home Equity Line of Credit Disclosure - Florida (pdf)

Home Equity Line of Credit Disclosure - Indiana (pdf)

Home Equity Line of Credit Disclosure - Michigan (pdf)

Home Equity Line of Credit Interest Only Disclosure - Florida (pdf)

Home Equity Line of Credit Interest Only Disclosure - Indiana (pdf)

Home Equity Line of Credit Interest Only Disclosure - Michigan (pdf)

Lender NMLSR ID Numbers (pdf)

Mastercard ABU Opt-Out Form (pdf)
Information on our consumer Online Banking product and features.*

Online & Mobile Banking Agreement & Disclosure  

Overdraft Policy

Personal Overdraft Choice Form (pdf) 

Preauthorized Debit Addendum (pdf) 

Privacy (pdf)
Our policy and our practices regarding the privacy of the personal financial information you share with us.

USA Patriot Act
How federal requirements designed to reduce fraud, money laundering, and other illegal financial activities may affect you.

Zelle Terms and Conditions