PERSONAL CHECKING ACCOUNTS Clause Samples

PERSONAL CHECKING ACCOUNTS. Chase First CheckingSM For parents/guardians interested in teaching their child how to manage money using a debit card with the child’s name on it. The parent/guardian is the owner of this account and must have an online profile and one of these other checking accounts at account opening: a Chase Secure Checking, Chase Total Checking, Chase Premier Plus Checking, Chase Sapphire Checking or a Chase Private Client Checking account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. Only the parent/guardian who opened the account can fund, view or manage this account. Monthly Service Fee None Age Requirements You can open an account for your child who is 6–17 years old Maximum Number of Accounts Allowed Up to five Chase First Checking accounts per parent/guardian Only Way to Deposit Funds Deposit funds through a transfer from any of your checking accounts to this account using ▇▇▇▇▇.▇▇▇ or Chase Mobile®

PERSONAL CHECKING ACCOUNTS. Account Monthly Maintenance Fee for Checking and How to Avoid It Other Important Account Information Privacy Notice FACTS WHAT DOES VIBRANT CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Reasons we can share your personal information Does Vibrant Credit Union Share? Can you limit this sharing? Who we are What we do

PERSONAL CHECKING ACCOUNTS. Chase First Checking SM

PERSONAL CHECKING ACCOUNTS. The following terms shall apply to each Personal Checking Account opened and maintained at the Bank. Personal Checking Accounts are only available to individuals. Entities should ask their account officer about Regular Business Checking Accounts. a) Minimum Balances: Minimum balances required to open and maintain your Personal Checking Account are listed in the Bank’s current fee schedule. b) “Available Balance” means the amount of all funds in your Personal Checking Account which have been collected and made available by the Bank. c) “Average Daily Balance” means the amount determined by adding the amounts on deposit in your Personal Checking Account at the end of each day during the Statement Cycle Period and dividing the sum by the number of days in that Statement Cycle Period. The Average Daily Balance will be used by the Bank to determine whether certain fees and maintenance charges will apply. d) “Average Daily Available Balance” means the amount determined by adding the Available Balances on deposit in the Personal Checking Account at the end of each day in the Statement Cycle Period and dividing the sum by the number of days in the Statement Cycle Period.