• Round-Up Savings: Make saving part of your everyday routine. When you use your debit card for purchases, the transaction amount is rounded up to the nearest dollar, and the difference is automatically transferred to your Momentum Savings account. You may choose to opt out of this feature at any time.⁴

• Cash Back Rewards: Earn 0.10% cash back on eligible Signature Debit Card purchases when your account receives $2,500 or more in cumulative direct deposits during the statement cycle.⁴
• Up to two Free Non-Orrstown Bank ATM Transactions with $2,500 cumulative direct deposits per statement cycle ¹
• One free box of standard checks annually if primary owner is 50+
• Check Writing Available

• $25 Minimum Opening Deposit
• No direct deposit required to open or maintain Momentum Checking Account
• Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.²

• Free Safe Deposit Box (3x5) or $30 credit towards a larger safe deposit box
• One box of standard checks included annually
• Mastercard® debit card access
• Online and Mobile* Banking
• Online Bill Pay
• Check Writing Available
• Up to four Free Non-Orrstown Bank ATM Transactions when direct deposit and relationship requirements are met ¹

• $500 Minimum Opening Deposit

• Maintain a minimum average statement balance of $2,500³
• A minimum of $500 in direct deposits is required for each statement cycle.⁴ Qualifying deposit, lending, financial advisory, investment or trust relationships may apply.

Monthly Maintenance Fee: $15 (Waived when Relationship Checking Account requirements are met)⁴

The monthly maintenance fee is waived when your account receives $500 or more in cumulative direct deposits during the statement cycle and you meet at least one of the qualifying relationship conditions below.

ATM Fee Reimbursements¹

To receive up to four non-Orrstown Bank ATM fee reimbursements per statement cycle, the account must:

• Maintain the required average daily balance during the statement cycle; and
• Receive cumulative direct deposits of $500 or more during the statement cycle.

Qualifying Relationship Conditions

Meet at least one of the following:

• Maintain combined average daily balances of $10,000 or more across eligible Orrstown Bank checking, money market and savings accounts.
• Maintain a combined outstanding Orrstown Bank loan balance or related commercial debt of at least $25,000. Mortgage loans serviced by Orrstown Bank are included.
• Maintain an active financial advisory relationship with Orrstown Financial Advisors.
• Maintain an active investment or trust relationship with Orrstown Financial Advisors.

• Up to two Free Non-Orrstown ATM Transactions when direct deposit or minimum balance requirements are met¹
• One box of standard checks included annually
• Check Writing Available

• $25 Minimum Opening Deposit
• $500 Minimum Average Statement Balance³
• $10 Monthly Maintenance Fee⁵
• Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.²

Monthly Maintenance Fee: $10 (Waived when Interest Checking Account requirements are met)⁴

The monthly service charge is waived when your account maintains the required average daily balance during the statement cycle or receives $500 or more in cumulative direct deposits during the statement cycle.

• Designed To Help You Move Forward: A checkless account that offers a pathway to managing your everyday banking needs while building a positive banking relationship.

• $25 minimum opening deposit
• Complete a qualifying financial literacy program and provide a certificate of completion
• Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.²