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
	0.05% 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!

	Signature vs. Pin transactions – the difference is important to understand
	Frequently Asked Questions
	VISA® Debit Card – it’s the easy way to pay more…
	eStatement Enrollment

*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, Arizona Bank & Trust 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.

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 $7.50 entitles you to these special values:

	Free printed checks
	Free cashiers checks, travelers checks and money orders
	Free check images included in your statement
	Accidental Death and Dismemberment Insurance4
	Identity Theft Insurance4
	Payment Card Protection
	ID Network Safety Program
	RX AdvantageTM Prescription Drug Program
	Coast To Coast Vision Plan 3
	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 Card ¹. Overdraft Privilege is also available up to $500 ².

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 an $8.00 monthly service charge. You get free Online Banking and Bill Pay and a free VISA¨ Debit Card ¹. Overdraft Privilege ² up to $500 is also available on this account.

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

²**$35.00 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdrive 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.

⁴Not FDIC Insured, No Bank Guarantee, May Lose Value.