1. Ben Moore

2.  Penn Liberty Bank  Wachovia  Bank of America

3. Penn Liberty  Easy Access Checking  No interest  $500 monthly average required  Free checking  No interest  No minimum balance  Relationship Account  Earns interest  Minimum of $5,000 in checking or $35,000 in all deposit and loan accounts  Unlimited ATM use

4. Wachovia  Free Checking Account  No monthly service fee  No minimum balance or  No direct deposit requirement  Crown Banking  Exclusive checking benefits  Includes money market account

5. Bank of America  My Access Checking Account  Monthly maintenance fee is waived if opened online  No minimum balance  Campus edge Checking Account  No monthly fee  No minimum balance  Stuff Happens, 1 time refund balance

6. Penn Liberty  Star Spangled Savings  Minimum of 1,000 dollars  High yielding  Horizon Savings  $5,000 minimum  Internet or phone access  Great yield of 1.75 percent

7. Wachovia  Money Market  Free withdrawals  Competitive interest rates  Premium Savings  Low minimum balance  Online banking

8. Bank of America  High yield CD  12 month term  1.375 rate  5,000 minimum balance  Regular Savings  No maintenance fee  $300 daily deposit