• Free personalized safety checks
• Competitive interest
• No monthly service charge with direct deposit
• No minimum balance
• No per check charge
• Limited ATM or Point of Sale transaction fees
• No fee Online Banking and Bill Pay
• Easy-to-balance monthly statement
• Check images returned for easy record keeping
• $10.00 monthly service charge without a direct deposit to the account
• On-line check re-ordering
• Access your funds using:
  

  	- SASB Access 24 On-Line Banking and bill payment service
  	- A South Adams Savings Bank MasterMoney‘ Debit Card or
  	- A South Adams Savings Bank ATM Card or
  	- By calling our 24-Hour Bank by Phone at 1-888-338-7272

Advantage Banking^sm Account

• Free personalized safety checks
• Competitive interest
• No monthly service charge with minimum combined deposit account balances of $10,000
• No annual fee for overdraft protection
• No per check charge
• Limited ATM or Point of Sale transaction fees
• No fee Treasurers Checks and Money Orders
• No fee Online Banking and Bill Pay
• High-Yield Advantage Money Market Account available exclusively to Advantage Banking and Advantage Banking Plus Customers
• Rate discount on new consumer auto loans with auto pay
• Preferred interest rates on a new 12 to 24 month CD or a  “CD special” during the account’s initial term
• Easy-to-balance monthly statement
• Check images returned for easy record keeping
• $20.00 monthly service charge if combined balance falls below $10,000
• On-line check re-ordering
• Access your funds using:
  

  	- SASB Access 24 On-Line Banking and bill payment service
  	- A South Adams Savings Bank MasterMoney‘ Debit Card or
  	- A South Adams Savings Bank ATM Card or
  	- By calling our 24-Hour Bank by Phone at 1-888-338-7272

• No monthly service charge with minimum combined deposit and loan account balances of $75,000
• No fee for Stop Payments
• Rate discount on new Home Equity loans with auto pay
• Closing fee credit on new mortgage loans
• Easy-to-balance monthly statement
• Check images returned for easy record keeping
• $20.00 monthly service charge if combined balance falls below $75,000
• On-line check re-ordering
• Access your funds using:
  

  	- SASB Access 24 On-Line Banking and bill payment service
  	- A South Adams Savings Bank MasterMoney‘ Debit Card or
  	- A South Adams Savings Bank ATM Card or
  	- By calling our 24-Hour Bank by Phone at 1-888-338-7272

• No minimum balance
• No monthly service charge
• No per check charge
• Limited ATM or Point of Sale transaction fees
• No fee Online Banking and Bill Pay
• Easy-to-balance monthly statement
• Check images returned for easy record keeping 
• On-line check re-ordering
• Access your funds using:
  

  	- SASB Access 24 On-Line Banking and bill payment service
  	- A South Adams Savings Bank MasterMoney‘ Debit Card or
  	- A South Adams Savings Bank ATM Card or
  	- By calling our 24-Hour Bank by Phone at 1-888-338-7272

• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Easy-to-balance monthly statement
• Check images returned for easy record keeping 
• On-line check re-ordering
• Access your funds using:
  

  	- SASB Access 24 On-Line Banking and bill payment service
  	- A South Adams Savings Bank MasterMoney‘ Debit Card or
  	- A South Adams Savings Bank ATM Card or
  	- By calling our 24-Hour Bank by Phone at 1-888-338-7272

• Higher interest rates with balances of $2,500 or more
• Competitive interest if balance falls below $2,500
• No per check charge
• Easy-to-balance monthly statement
• Check images returned for easy record keeping 
• Only $8.00 monthly service charge if minimum balance falls below $1,000
• On-line check re-ordering
• Access your funds using:
  

  	- SASB Access 24 On-Line Banking and bill payment service
  	- A South Adams Savings Bank MasterMoney‘ Debit Card or
  	- A South Adams Savings Bank ATM Card or
  	- By calling our 24-Hour Bank by Phone at 1-888-338-7272