Irwin Bank and Trust
  17 May 2008
Free Checking

"How Can FREE Checking Make Our Lives Simpler?"

Free checking since 1922
  1. No monthly account maintenance fee..
  2. No minimum balance to maintain.
  3. No restrictions on the number of checks you can write.
  4. Safe and secure. Your funds are insured by the FDIC, an agency of the U.S. government.
  5. FREE direct deposit of payroll, pension, social security, interest or dividends.
  6. FREE Check Safekeeping! We store your check images for you. Copies of your checks are conveniently available for viewing and printing on-line using IBT e-Link internet banking or by calling 724-978-4500.
  7. FREE In-Touch telephone banking! Check balances and transfer funds from your telephone!
  8. FREE ATM or Irwin Bank Check Card with eligibility! Acts like a credit card but works like a check! Access your checking account from virtually any location that accepts Mastercard!
  9. FREE IBT e-Link Internet Banking with Bill Payment. Includes 15 bill payments per cycle, $.50 each for 16 or more).


"How Can Overdraft Protection and IBT e-link Make My FREE Checking Account Even Better?"

Free checking since 1922
By giving you worry-free spending freedom and internet banking convenience.

FREE Checking plus IBT e-link Internet Banking  

Overdraft Protection:

Worry-free checking, plus overdraft protection linked to (1) a deposit account* such as another checking, statement savings, or IBMA account, or (2) a home equity line-of-credit. The line-of-credit option provides added spending freedom. Simply write a check to activate a loan! It's a great way to beat those high credit card rates. Home equity loan interest is usually tax-deductible.** Ask for current home equity rates.

e-Link

Enjoy convenient internet banking and bill payment, for a low monthly service charge. We offer two convenient plans to fit your style of banking. (See next page for a list of features). Now you can manage your money on your schedule right from your computer!

* $3.00 per overdraft transaction service charge applies. ** Consult your tax advisor.


You'll always find a reason to love Irwin Bank! Finally, banking that fits you!



"At Irwin Bank, Free Checking is FREE...no strings attached! At other banks, we found "free" checking was only for an introductory period of time or came with a minimum balance requirement, restrictions on how many checks could be written, or some other form of red tape. Compare for yourself!"


Description/Feature Free
Checking		 Overdraft
Protection		 IBT e-link
with Bill Pay
Monthly service charge None None Free
No minimum balance requirement Yes Yes Yes
Unlimited check writing Yes Yes Yes
Insured by FDIC Yes Yes Yes
FREE direct deposit Yes Yes Yes
Free Check Safekeeping* Yes Yes Yes
FREE In-Touch telephone banking** Yes Yes Yes
FREE ATM or Check Card Yes Yes Yes
Allowed foreign ATM transaction*** 4 4 4
IBT e-link internet banking with bill payment† No No Yes
Overdraft protection/service charge‡ No Yes/$3.00‡ Yes/$3.00‡

*A $2.00 monthly service charge applies to return check images to you.
**Long distance telephone charges, if applicable, are not included.
*** Total per account each statement cycle. Does not include service charges from the ATM provider.
    $1.50 per transaction fee for additional use during statement cycle.
† Internet dial-up service not included. Cost is for personal banking. Commercial plan is also available.
‡ Per transaction - applies to statement savings or checking link only. One time $2.50 setup fee applies.

Check Safekeeping advantages:

Never worry about losing checks again! Cumbersome storage of old checks is eliminated. Copies of checks are just a phone call away or you can view and print your check images on-line with IBT e-Link Internet Banking.

In-Touch telephone banking advantages:

Fund transfers and Irwin Bank loan payments can be easily made using a touch tone telephone.

Overdraft protection advantages:

Never worry about "bouncing" a check again! If you exceed your checking balance, funds are automatically transferred from another linked account. If transfer is from a checking, statement savings or IBMA money market account, a small service charge applies. If it is from a line of credit, the fee is waived and a loan is automatically activated.

IBT e-link internet banking advantages:

View account balances, transfer funds, pay bills, view check images, make stop payments and make Irwin Bank loan payments from your computer.

Revision 9-05