|Feature||Cooperative Checking||NOW Checking|
|Minimum Balance Requirement||$100||$10|
|Monthly Service Charge||$5.00 unless a $100 average daily balance is maintained||$4.00 unless a $500 daily balance is maintained|
|Online Banking & Bill Pay|
|Surcharge-free SUM® ATM Access2|
|Unlimited Check Writing||3|
|Overdraft Protection Options|
1 Message and data rates may apply from your wireless carrier.
2 Beverly Bank is not responsible for ATM surcharges imposed by others.
3 A fee of $0.25 will be imposed for each transaction (withdrawal, check paid, automatic transfer or payment out of your account) if the balance in the account falls below $500.00 any day of the statement cycle.