Money Management Tools

Accounts	APY * / APR **	Interest Rate	Minimum to Open
Anytime Online Savings Account	0.25% *	0.25%	$1.00
Anytime Online Checking Account	0.10% *	0.10%	$100.00
Primary Online Business Savings	0.30% *	0.30%	$1.00
Primary Business Checking	NA	NA	$1.00
30 Year Fixed Rate Mortgage	3.83% **	3.75%	N/A

Univest offers a variety of tools to help you better manage your finances and avoid overdrafts. Here are some of the solutions we offer:

Online Banking - Experience an easier way to manage your finances 24 hours a day, 7 days a week. Check your balances, account activity and transfer funds between Univest accounts.
Anytime Online Funds Transfer - Transfer funds between your Univest and non-Univest bank accounts.
Anytime Banking by Phone - Verify account balances and transaction information, or transfer money between accounts 24 hours a day, 7 days a week.
E-mail Alerts - Receive free, timely alerts about your Univest account. You can choose to be notified for a variety of reasons including account balance levels or when a check posts to your account.
QuickView E-Mails - Allows you to view your daily account activity and keep you up to date on what is happening with your checking or savings accounts.
Money Manager - A service that links your checking account to a Univest savings account or line of credit. Then, if you are about to overdraw your checking account, we'll automatically transfer available funds from the linked account to cover the overdraft.

Copyright 2012 - All rights reserved. Univest Bank and Trust Co.^SM is Member FDIC | Equal Housing and Opportunity Lender

* Annual Percentage Yield - Checking and savings products are variable rate accounts, which means that the interest rate and APY may change at any time after the account is opened. Fees could reduce the earnings on these accounts. Rates are accurate as of February 04, 2012 and are subject to change at any time. The rates listed are for new accounts and can be opened online or at any of our convenient locations.

** Annual Percentage Rate