Disclosures

Personal Account Disclosures

• All About Your Accounts
• Service Fee Schedule
• Certificate Account Disclosure (PDF)
• WINcentive Savings Agreement (PDF)

Business Account Disclosures

• Business Account Agreement (PDF)
• Business Certificate Account Disclosure (PDF)
• Business Service Fee Schedule

Online, Mobile and Text Banking Disclosures

• Online Banking, eDocuments and Institution-to-Institution (I2I) Transfer
• Zelle^® Terms of Service (PDF)
• Mobile Deposit
• Money Tracker
• Bill Payment
• Text Banking (PDF)
• Text Alerts (PDF)

Visa^® Credit Card Disclosures

Variable APR^* Consumer Credit Cards
(Offered as of 9/1/16)

• Visa Credit Card Agreement (PDF)
• Visa Credit Card Disclosure (PDF)

Non-variable APR^* Consumer Credit Cards
(Discontinued as of 8/31/16)

• Visa CURewards Agreement (PDF)
• Visa VIP Rebate Agreement (PDF)
• Visa Classic Agreement (PDF)

Visa^® Business Credit Card Disclosures

Variable APR^* Business Credit Card

• Visa Business Agreement (PDF)

General Disclosures

• Privacy Policy (PDF)
• Website Privacy Statement
• Hiway Live Banking Terms of Use

_{* APR is Annual Percentage Rate.}