In order to apply for this account, you must first read and accept the following disclosures: U.S.A. Patriot Act Account Ownership Check 21 Disclosure Electronic Funds Transfer Policy Funds Availability Policy Internet Banking Disclosures Schedule of Fees Truth in Savings Deposit Account Agreement Once you have read these disclosures, click "Accept" or "Decline" below. By clicking "Accept," you certify that you have read the appropriate disclosures associated with this account.