1. This document provides information about different checking account options from Union State Bank, including Totally FREE Checking, eVantage Checking, 50 & Better FREE Checking, Direct FREE Checking, and Premium Checking. 2. The accounts differ in their requirements for minimum balances, monthly service fees, debit card purchases, direct deposits, and per-check charges. 3. Union State Bank also offers various banking products and services including debit/credit cards, online and telephone banking, safe deposit boxes, and loans.

1. Toll Free
866.557.0060
Online Banking
MyUnionState.com
The
24-Hour
Telephone Banking
More-Interest
442.4600 Less-Paper
221.2400 checking
800.332.1633
account!
Ark City Winfield
Main Bank Main Bank
127 S Summit 823 Main
442.5200 221.3040
North Bank Drive-Up Bank
1329 N 1st 121 W 9th
442.6300
South Bank
2100 Pike Rd
Udall
119 W 1st
782.3311
…plus 4 more great USB
rev 03.11 checking options!

2. Answer a few simple
questions to find the • Competitive Interest
• Earn Bonus Interest when you:
right account for you! b Make 12 debit card purchases each statement
cycle
b Sign up for one direct deposit or
automatic payment
1. “Would you like to earn a high b Receive your monthly statement
electronically
rate of interest by receiving your • No minimum balance Can we help you with any of these
monthly statement electronically?” • No monthly service charge
• No per check charge products & services today?
• Unlimited check writing
YES “Would you be able to make 12 • 3 FREE non-USB ATM charges each statement cycle o VISA® Debit Card
debit card purchases a month and o Online Banking
have one direct deposit or
Totally FREE Checking o Online Bill Pay
NO automatic payment?”
Yes…eVantage Checking
• No minimum balance o eStatements
• No monthly service charge o Direct Deposit & Automatic Payment
No…Go to Question 2 • No per check charge
• Unlimited check writing o Savings Account
2. “Will there be anyone 50 years or o Business Checking
better signing on this account?” o VISA® Credit Card
50 & Better FREE Checking o Telephone Banking
YES “Will you always keep more than • Competitive Interest o Safe Deposit Box
• No minimum balance
$1,500 in your checking account?” • No monthly service charge o Certificate of Deposit
Yes…Premium Checking • No per check charge o Investment and Broker Service
NO No…50 & Better FREE Checking • Unlimited check writing
o Mortgage Loan
o Consumer Loan
Direct FREE Checking
o Home Equity Line of Credit
3. “Does anyone plan to have direct • Competitive Interest
• No minimum balance
o Retirement Plan
deposit or any type of automatic o Identity Theft Protection
• No monthly service charge
payment with this account?” • No per check charge
• Unlimited check writing
YES “Will you always keep more than
$1,500 in your checking account?”
Yes…Premium Checking Premium Checking
No…Direct FREE Checking • Higher interest rates with balances of $5,000 or more
NO • Competitive interest if balance falls below $5,000
• No per check charge
• Unlimited check writing
• Only $1,500 average balance to avoid a low monthly
4. “Will you always keep more than fee of $8
• FREE return of check images with monthly statement
$1,500 in your checking account” PLUS! Get up to $25 back for your old checks and debit card.
Yes…Premium Checking
No…Totally FREE Checking
Ask us how TODAY! MyUnionState.com
Minimum opening deposit is only $50.