PERSONAL BANKING / Liberty Plus (NOW) LIBERTY PLUS (NOW) This type of checking account pays interest accrued on the daily collected balance and includes the following features: Minimum Account Opening Balance - $250 Online Banking Bill Payment Bank-By-Mail No-Annual-Fee Credit Card (1) ATM Card Access to SAB ATMs Unlimited Monthly Teller Transactions (2) Unlimited Check Writing Interest Earned on Account Balance Free Use of any Bank's ATM (3) Monthly Service Fee $10.00 (4) Monthly Service Fee can be avoided by maintaining a $1,000 Minimum Daily Balance. (1) Subject to credit approval. (2) Teller transactions include deposits, withdrawals, transfers, and service balance inquiries at a Sun American Bank branch or Drive Through that could have been made online or at an ATM. (3) Does not include any fee another terminal owner may charge to use their machine. (4) $.20/check fee for each check in excess of twenty five during the month.