Our customers tell us they've found American Federal Checking to be competitive, cost-conscious and simple to understand.

American Federal Checking Accounts

	American FREE	Relationship	Classic	Investment	Money Market	Health Savings Account (HSA)
	Straightforward no-fee checking	For customers with other relationships ^2 with American Federal	For customers age 50 and older	Rewards customers who maintain large balances	For customers who want a high-yielding checking account	For individual customers managing a Heath Savings account
Required Daily Balance	None	None	None	$500	$2,500	$2,500
Fees	None	None	None	$8 per monthly statement cycle when average daily balance falls below $500	$10 per monthly statement cycle when average daily balance falls below $2,500.  $15 fee per item in excess of statement cycle maximums ^1	$3 per monthly statement cycle when average daily balance falls below $2,500
Earns Interest	No	Yes. Variable rate earned on average daily balance when $1,000 or more	Yes. Variable rate paid on tiered basis on average daily balance	Yes. Variable rate paid on tiered basis on average daily balance	Yes. Variable rate paid on tiered basis on average daily balance	Yes. Variable rate paid on tiered basis on average daily balance
Cash Card Check Card	Yes. Free.	Yes. Free.	Yes. Free.	Yes. Free.	Yes. Free.	Yes. Free.
ATM Fees	No	No	No	No	No	No
Check Safekeeping or Check Image Returned in Statement	FREE	FREE	FREE	FREE	FREE	FREE
	$3 per month	$3 per month	$3 per month	$3 per month	$3 per month	$3 per month
Combined Statement of Accounts	FREE	FREE	FREE	FREE	FREE	FREE
Added Benefits	No per check charges Free Direct Deposit Free Automatic Loan   Payment Free Online Banking Free Online Bill Pay Free Telephone Banker	No per check charges Free Direct Deposit Free Automatic Loan   Paymen Free Travelers Checks Free Online Banking Free Online Bill Pay Free Telephone Banker	Free American   Federal-designer checkblanks No per check charges Free Direct Deposit Free Automatic Loan   Payment Free Travelers Checks Free Online Banking Free Online Bill Pay Free Telephone Banker	No per check charges Free Direct Deposit Free Automatic Loan   Payment Free Travelers Checks Free Online Banking Free Online Bill Pay Free Telephone Banker	No per check charges Free Direct Deposit Free Automatic Loan   Payment Free Travelers Checks Free Online Banking Free Online Bill Pay Free Telephone Banker	No per check charges Free Direct Deposit Free Online Banking Free Online Bill Pay Free Telephone Banker

* First 50 checks are American Federal-designer checks. * Ready Credit overdraft protection is not available for American Free Checking.  * Customers may make six transfers from a Money Market Checking Account to another account or to a third party by pre-authorized, automatic or telephone transfers per month.   No more than three of the six permitted transfers may be by check, debit card, or draft to a third party.  * Qualify for Relationship Checking with any one:  open a consumer loan for $5,000 or more, make automatic loan payment from checking, direct deposit payroll, retirement, or social security check, and student with parent with an American Federal checking account.

More Convenient American Federal Services

	Combined Statement of Accounts		Telephone Banker		Bank Freely on Both Sides of the Red
	American Federal Cash Card Check Card		Bank by Mail		Check Safekeeping / Check Images
	Automatic Savings Plan		Free Teller Services		Checking Protection
					Direct Deposit, Automatic Payment & Transfer

215 N. Fifth St. P.O. Box 2946 Fargo, ND 58108-2946 (800) 770-6605

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