Free Checking
	Free Debit Card***
	Free Online Banking
	Free Bill Pay
	No Minimum Balance Requirement
	No Monthly Fees
	ATM Fees are automatically refunded

Always earn interest, regardless of your balance!
4.01% APY* on balances of $.01 to $20,000
1.01% APY* on balances over $20,000
0.25% APY* on balances even when you don’t meet the 3 easy steps!

We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.

Ready to start earning? Stop in today and open your Cash Rewards Checking account!

*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 4.01% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 1.01% APY is paid. If requirements are met during the statement cycle, **ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 15 debit transactions in statement cycle (ATM transactions excluded), and electronic statement delivery, valid e-mail address and one direct deposit per statement cycle. APY accurate as of 4/01/09. Rates and terms subject to change without notice. ** Replacement/Lost Card Fees May Apply. At the present time, Galena State Bank is accepting accounts only from its local service areas.

Free Checking Package
Our free checking is more than a basic account. With no minimum balance requirement and no monthly service charge, you get unlimited check writing, free Online Banking, free Bill Pay and a free VISA® Debit Card¹. In addition, you may open a complimentary savings account with no minimum balance requirement and track your activity on both accounts on a combined monthly statement. Only $25 required to open your account. Overdraft Privilege² up to $300 is also available on this account.
» Request for Application

Regular Checking
A no-frills checking account for those who prefer to receive check images with their monthly statement. Maintain a $300 minimum daily balance or a $500 monthly average balance to avoid a $7.00 monthly service charge. You get free Online Banking and Bill Pay and a free VISA® Debit Card¹. Overdraft Privilege² up to $500 is also available on this account.
» Request for Application

Interest Checking
If you prefer to earn interest on your basic checking account, Interest Checking is for you. Maintain a $500 minimum daily balance or a $1,000 monthly average balance to avoid a $7.00 monthly service charge. You get free Online Banking and Bill Pay and a VISA® Debit Card¹. Overdraft Privilege² up to $500 is also available on this account.
» Request for Application

Checking Plus
This no-minimum-balance account earns interest, provides access to free and discounted banking services, and gives you discounts on many non-banking services that enhance the way you live. The low monthly fee of $7.00 ($5.00 for ECC Members) entitles you to these special values:

	Free printed checks
	Free cashiers checks, travelers checks, and money orders
	Free check images included in your statement
	Discount on mortgage closing costs
	Discount on a safe deposit box
	Accidental Death and Dismemberment Insurance
	Identity Theft Insurance
	Payment Card Protection
	ID Network Safety Program
	RX Advantage™ Prescription Drug Program3
	Coast To Coast Vision Plan3
	Purchase Protection and Extended Warranty
	Savers Club® Book (includes discounts on hotels, car rentals, movie tickets, local dining and attractions, shopping and much more)

You also get free Online Banking and Bill Pay, and a free VISA® Debit Card¹. Overdraft Privilege is also available up to $500².

Platinum Checking Package
Maximize your relationship with Galena State Bank and we’ll maximize your checking account benefits! Our Platinum Checking Package is an interest-bearing checking account for our customers who maintain $50,000 in combined deposit and consumer loan balances. If your total balances drop below $50,000, you pay a monthly fee of $15.00 to continue receiving all these benefits:

	Free printed checks
	Free cashiers checks, travelers checks, and money orders
	Free check images included with your statement
	Discount on safe deposit box
	0.10% bonus rate on regular term CDs4
	Discount on safe deposit box
	Discount on mortgage loan closing fees
	Check images included with your statement

You also get free Online Banking and Bill Pay, and a free VISA® Debit Card¹. Overdraft Privilege is also available up to $750².

¹Some states permit local financial institutions the option of surcharging for ATM transactions. Galena State Bank cannot control surcharges charged to your account by other financial institutions. Fee for lost or replacement card may apply.

²**$28.00 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdraft Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically don’t pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

³This is not insurance.

⁴ Not available on promotional offers

For more information about our deposit products, please contact Michelle, Heather, Mary or Bret at our Galena location, or Peggy or Millie at our Stockton location.

Michelle Murdock		Heather Vincent	Mary Suddie

Peggy Tully		Millicent Graves	Bret Johnson