PRODUCT COMPARISON

NexTier@Work Professional

NexTier@Work Executive

NexTier@Work Executive Sweep

Checking No-fee checking
(with direct deposit)
Interest Checking Interest checking with Sweep feature to Federated Money Market account with checking balances greater than $15,000.1
Balance Requirement to avoid monthly service fee $7 monthly fee without direct deposit $10,000 average monthly balance combined relationship (deposits, CDs, loans) waives $10 monthly fee $10,000 average monthly checking balance waives $15 monthly fee. $15,000 to take advantage of sweep
Overdraft Privilege8 Options $5 transfer fee per transaction from deposit account or line of credit. ($34 standard fee applies for Overdraft Privilege) Choice of Overdraft Privilege//Money Market /Line of Credit. (If individual selects Overdraft Privilege, a $34 standard fee applies.) $5 transfer fee per transaction from deposit account or line of credit. Not  Available
Checks Free first order of NexTier logo checks Free NexTier logo checks Free NexTier logo checks
Check Card Free Check Card - Limit 2 Free Check Card - Limit 2 Free Check Card - Limit 2
ATMs Free, Unlimited ATM access at more than 580 Freedom ATM Alliance locations 2 Free, Unlimited ATM access3 Free, Unlimited ATM access3
24/7 Telephone Banking Free Telephone Banking Free Telephone Banking Free Telephone Banking
Online Banking Free Online Banking Free Online Banking Free Online Banking
Bill Payment Free Online Bill Pay Free Online Bill Pay Free Online Bill Pay
Loan Discounts No closing costs and loan special offers 4 No closing costs and .25% HE loan discount with auto deduct 4 No closing costs and .25% HE loan discount with auto deduct 4
CD Rates CD Special offers .25% increase on CD rates (other offers may not apply) .25% increase on CD rates (other offers may not apply)
Insurance Free insurance consultation and coverage quotes 5 Free insurance consultation and coverage quotes 5 Free insurance consultation and coverage quotes 5
Identity Theft Insurance $10,000/$250 deductible coverage for primary account holder $10,000/$250 deductible coverage for primary account holder $10,000/$250 deductible coverage for primary account holder
Savings & MM accounts One Free Savings or Money Market Account (no balance required or monthly service fee; other fees may apply) 6 Two Free Savings or Money Market Accounts (no balance required or monthly service fee; other fees may apply) 6 Two Free Savings or Money Market Accounts (no balance required or monthly service fee; other fees may apply) 6
Children Saving Accounts (for children under 18 years of age) Free savings account for the children in your life 6 Free savings account for the children in your life 6 Free savings account for the children in your life 6
Safe Deposit Box Free small safe deposit box or 25% discount on other size Free small safe deposit box or 25% discount on other size Free small safe deposit box or 25% discount on other size
Cashiers Checks, Travelers Checks No Service Charge No Service Charge No Service Charge
Personal Banker by Phone Call 1-866-549-WORK Call 1-866-549-WORK Call 1-866-549-WORK
Credit Card Choice of Credit Rewards program, no annual fee 7 Choice of Credit Rewards program, no annual fee 7 Choice of Credit Rewards program, no annual fee 7
ATM/POS LIMITS $500 cash withdrawal, $500 stand in, $1,500 POS $1,000/$1,000/$3,000 $1,000/$1,000/$3,000
Overdraft Privilege8 Limit If selected for overdraft / $750 overdraft privilege limit 8,9 If selected for overdraft / $1,500 overdraft privilege limit 8,9 If selected for overdraft /$1,500 overdraft privilege limit 8,9

1Money Market Investment Account is not FDIC Insured and may lose value.
2Fees at other ATMs may apply.
3Available with select checking accounts (Gold Plus, NexTier @Work Executive and Executive with Sweep, Preferred and all business checking accounts. Transaction fee charged by other providers is credited to your account within 1-2 business days. Non ATM transaction fees, overdraft charges, currency exchange fees may be incurred and are not refundable. Speak to a representative or see consumer regulatory disclosures provided at the time of account opening.
4Loans, credit cards and mortgages are subject to credit approval.
5Insurance products are not FDIC insured.
6Federal regulation prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorized or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account.
7Loans, credit cards and mortgages are subject to credit approval.
8$34 fee applies.
9Click here to see NexTier Bank's Overdraft Privilege disclosure.

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