- Treasury Management
- Loans

Checking Accounts

-	Personal	Simple 1 2 3	Classic	NOW
Minimum Opening Deposit	$50.00	$50.00	$50.00	$50.00
Minimum Balance to Avoid Service Fees	$500.00 daily balance or average daily of $1,000.00	-	-	$1,000.00 daily balance or average daily of $2,000.00
	$500.00 daily balance or average daily of $1,000.00			$1,000.00 daily balance or average daily of $2,000.00
Monthly Service Fees:
Maintenance (if balance is below minimum)	$1.00 (below $500)	$3.00	None	$8.00
	$2.00 (below $400)	$4.00 (below $100)
	$3.00 (below $300)
	$4.00 (below $200)
	$5.00 (below $100)

Transactions	$0.15 per check if balance falls below minimum	$0.50 per check in excess of twenty	None	$0.15 per check if balance falls below minimum
	$0.15 per check if balance falls below minimum	$0.50 per check in excess of twenty		$0.15 per check if balance falls below minimum

Interest Rate	-	-	See Current Rates	See Current Rates
Balance Computation Method	-	-	Daily Balance Method	Daily Balance Method
Compounding and Crediting	-	-	Monthly	Monthly
Other Features			Must be over 50 Discount on safe deposit boxes *Free personalized bank stock checks and Visa Travelers Checks

Savings Accounts

	Savings	Money Market	Freedom	Investment
Minimum Opening Deposit	$50.00	$50.00	$10,000.00	$25,000.00
Minimum Balance to Avoid Service Fees	$150.00	-	-	-

Monthly Service Fees:
Maintenance (if balance is below minimum)	$1.00	-	-	-


Transactions	$1.00 for each debit in excess of 6 per month		-	-
	$1.00 for each debit in excess of 6 per month

Interest Rate	See Current Rates	See Current Rates	See Current Rates	See Current Rates
Balance Computation Method	Daily Balance Method	Daily Balance Method	Daily Balance Method	Daily Balance Method
Compounding and Crediting	Monthly	Monthly	Monthly	Monthly
Other Features	*Withdrawal transactions are limited to six during each statement cycle.	*Withdrawal transactions are limited to six during each statement cycle.	*Withdrawal transactions are limited to six during each statement cycle.	*Withdrawal transactions are limited to six during each statement cycle.

Certificate of Deposit Account

Minimum Opening Deposit	$1,000.00
Maturity Terms	1 Month to 5 Years
Interest Rate	See Current Rates
Balance Computation Method	Daily Balance Method
Interest Payment Frequency	Monthly or Quarterly
Interest Payment Method	Added back to CD, by check, or deposited to CNB Account
Early Withdrawal Penalty	3 months of interest on amount withdrawn for maturity term of less than one year
	6 months of interest on amount withdrawn for maturity term of more than one year

Individual Retirement Accounts

Minimum Opening Deposit	$500.00
Maturity Terms	1 Month to 5 Years
Interest Rate	See Current Rates
Balance Computation Method	Daily Balance Method
Interest Payment Frequency	Monthly or Quarterly
Interest Payment Method	Added back to CD, by check, or deposited to CNB Account
Early Withdrawal Penalty	3 months of interest on amount withdrawn for maturity term of less than one year
	6 months of interest on amount withdrawn for maturity term of more than one year

Please contact one of our Personal Bankers at personalbankers@cnbwaco.com or 254-776-3800 to open a new account today.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

8320 W Highway 84 Waco, TX 76712 || 5400 Bosque Blvd. Waco, TX 76710
PO Box 2525 Waco, TX 76702
254-776-3800 || 888-262-9226
254-776-2805 Fax