• Premium rate on collected balances $25,000 or less
• .65% APY on collected balances over $25,000

(If criteria are not met):

• .25% APY on collected balances

• No minimum balance required
• No monthly service charge
• Unlimited check writing
• Free bill pay
• Up to $6 in ATM reimbursements on other bank's ATM fees
• No charge from The Murray Bank for using other bank's ATMs
• Identity & Fraud Protection Plus available

• 10 Debit Card purchases posted
• 1 Direct Deposit or 2 ACH Debits
• 1 Online Bank inquiry
• E-statement

Basic Checking

• $250 minimum balance to avoid service charge
• $5 service charge if balance falls below minimum
• Service charge is waived with a $15,000 loan and/or deposit relationship
• First 50 checks free
• Unlimited check writing
• Minimum of $50 to open
• Identity and Fraud Protection Plus Available

Blue & Gold Free Checking
CLUB ~ Full Time Students
EXPRESS ~ Non-Students

• No minimum daily balance
• No Monthly Service Charge
• Unlimited Check Writing
  
• First 50 checks free
• E-Statements with images - Express
• Activity Statement Only - Club
• ATM/Visa Check Card Available
• Minimum of $50 to Open
• $10 Fee if Closed Within 90 Days
• Identity and Fraud Protection Plus Available

Murray Club

• No minimum balance
• $7 monthly fee
• Unlimited check writing
• Free check orders
• Free travelers checks
• Reduced price on travelers checks for two
• Reduced price on gift checks
• $10,000 accidental death and dismemberment benefit*
• $35,000 scheduled airline insurance*
• Minimum of $50 to open
• Identity and Fraud Protection Plus
• Rx Advantage Prescription Drug Program**
  **This is not insurance.
• Liberty Medical Supply Pharmacy**
  **This is not insurance.
• Savers Club Benefits

Murray Gold Club

• Must be at least 50 years old
• Interest paid monthly on all collected balances
  on a Tiered Level
       - $.21 - $24,999
       - $25,000 and Over
  
• $100 minimum balance to avoid service charge*
• $7 service charge if balance falls below minimum
• First 50 checks free
• Reduced price on re-orders
• Minimum of $50 to open
• Unlimited check writing
• $100,000 common carrier coverage
• Bonus Travel
• Savers Club Benefits
• Key ring registration
• Identity and Fraud Protection Plus Available

Murray Family Gold

• Must be at least 50 years old
• No minimum balance
• $4 monthly fee
• Interest paid monthly on all collected balances
  on a Tiered Level
       - $.21 - $24,999
       - $25,000 and Over
  
• Free checks
• Unlimited check writing
• $10,000 accidental death and dismemberment
• $1,000 Coverage for Each Dependent Grandchild
  (if not already covered as an account holder)
• $150,000 common carrier coverage
• Same benefits as Murray Gold plus the following:
       - Medical Emergency Data Card
       - Vision care
       - Rx Advantage Prescription Drug Program**
         **This is not insurance.
       - Liberty Medical Supply Pharmacy**
         **This is not insurance.
       - ID Network Safety Service
       - Trip routing
       - Asset organizer
• Minimum of $50 to open
• Identity and Fraud Protection Plus Available

Checking with Interest

• $1,000 minimum balance to avoid service charge
• $5 service charge if balance falls below minimum
• Interest paid monthly on all collected balances
  on a Tiered Level
       - $.01 - $24,999
       - $25,000 - Over
  
• First 50 checks free
• Unlimited check writing
• Minimum of $1,000 to open
• Identity and Fraud Protection Plus Available

Personal Investment

• $1,000 minimum balance to avoid service charge
• $7 service charge if balance falls below minimum
• Limited to six withdrawals per month
• $5 for each transaction over limit
• Interest paid monthly on all collected balances on a tiered level:
       * $10,000 -   $24,999.99
       * $25,000 -   $49,999.99
       * $50,000 -   $99,999.99 
       * $100,000 & over      
• Minimum of $50 to Open
• Identity and Fraud Protection Plus Available