Net Money Market

Earn interest with this online money market account. A $5000 minimum balance is required to open this  account. Apply online only. A variable rate of interest will be paid. ATM access via a Tyme card. No checks issued.

Fee Schedule

• $10 monthly service charge fee if the  daily balance drops below $5,000 any day
  of the monthly cycle
• $6 fee per item for returned items
• $25 per hour research for Account  Reconciliation (minimum - $10)
• $ 1 fee for statement or item copies

Balance Computation

We use the daily balance method to calculate the interest on your  account. This applies daily periodic rate to the principal in the  account each day.

Variable Rate Information

Rate is determined by loan funding needs and/or prevailing market  conditions.

The interest rate is based on the daily ledger balance in the account:

• $0.00 - $49,999.99: Interest rate of 2.25% with an annual percentage yield of
  2.27%
• $50,000.00 - $99,999.99: Interest  rate of 3.25% with an annual percentage yield
   of 3.30%
• $100,000.00 or up: Interest rate of 3.75% with an annual percentage yield of
  3.82%

Your rate and annual percentage yield may  change.

Frequency of Rate Changes

At our discretion, we may change the interest rate at anytime on your  account.

Minimum Balance Requirements

You must deposit a minimum of $5,000 to open this account.

Compounding and Crediting

Interest begins to accrue on the business day you deposit non-cash items Interest will
be compounded and credited monthly on statement day. Fees could reduce your
earnings.

Transaction Limitations

All deposits, withdrawals, and transfers are unlimited when made in  person.

An unlimited number of deposits and cash withdrawals are allowed through the use of a United Bank Debit/Tyme Card. ATM withdrawals may not exceed  the amount of $500 within a 24-hour period. 

Electronic transactions are limited to a total of six per month. This  includes the following types of transactions: ATM transfers,  pre-authorized electronic transfers, phone transfers or 3 Point of Sale Transactions.

A $15 charge will be assessed if the account is closed within 6 months.

To obtain current rate information you may call 715-597-3136.

Rate and yield are accurate as of June 30, 2007.