Tru Stone ProsFirst 5 non-tru stone atms withdrawal are free No monthly fees with the Value checking

account Minimal to open a Value checking account is $25 Free bill pay service Online and Mobile banking Has reward checking accounts - .10% dividend rate Reward monthly checking account fees are waived if reward checking account maintains minimal of $300 and reward checking plus maintains minimal of $1000.

Cons $2 fee for withdrawal from non-tru stone atms $5 card replacement fee Atm/card over draft fee is $30, $15 / check $25 outgoing wire fee $5 incoming wire fee $20 fee for closing account within 6 months of opening Reward checking monthly service fee is $5 (if $300 minimal not maintained monthly) Reward checking account minimum to open is $300 Reward checking plus account minimum to open is $1000 Reward checking plus monthly service fee is $10 (if $1000 minimal not maintained monthly) Only 1 St. Paul Location - 757 Cleveland Avenue South St Paul, MN 55116

Affinity Plus ProsConsNo minimum balance No monthly fees No atm fees Free foreign atms Online banking Free cashiers check, starter checks, money orders, travelers checks and coin counting Stash your cash purchases are rounded to nearest whole dollar and transferred automatically to a savings account Free annual credit report and review (free checking) Has no requirement (Better than free checking account) One $35 Non Sufficient funds fee waived per year (Progressive checking) .100% dividend rate 2 St Paul and 1 Roseville locations

(Progressive checking) $200 minimum balance (Progressive Checking) $6 fee/month if minimal of $200 not maintained (Better than free checking account) Required to have either; direct payroll deposit, 8 debit card purchases/month or pay 3 bills using online bill pay

Hiway ProsCons $10 fee to replace lost card $2 fee to reissue pin $10 outgoing transfer Nonsufficient funds - $28/item Check cashing fee is 5% of the check or $5 (whichever is greater) $3 statement copies/period $12 fee per half hour for statement balancing/account research St paul location 111 Empire Drive, St. Paul Minnesota 55103 No minimum balance required No monthly service fees Free first box of checks Free debit card Free atm deposits Online banking Mobile banking Online deposits Access to network of surcharge-free atms throughout US and Canada 0.10% dividend rate at minimum balance of $0.00 First 12 withdrawals/transfers/balance inquiries are free $1 atm fee after first 12 withdrawals/transfers/balance inquiries Free incoming transfers

Wings Financial ProsCons $10 replacement card fee Atm withdrawal - 15 free/ statement period Website claims no monthly service charge and fewer and lower fees (doesnt clarify) Site claims that earns dividends with no minimum balance First free box of checks

$5 inactive account fee $2.50 atm fee $25 NSF fee Outgoing domestic wire fee is $20 $5.95 fee for bill pay, otherwise free if 3 or more 1 St Paul Location 1804 7th Street West St. Paul, MN 55116

City and County ProsCons(Advantage checking) Minimun is $2,500 1 location in St. Paul and 1 location in Maplewood (iSelect checking) No minimum balance (iSelect) Optional overdraft protection (Advantage) Free overdraft protection Free online bill pay One free NSF/Courtesy pay per year Free checks Advantage checking the higher your balance, the more you earn Debit card cash-back rewards earn rewards for using debit card receive cash back from qualifying debit card purchases Online banking Mobile banking Interest rate is 0.05% Mobile deposits Minimum deposit for opening account is $5