Interest Bearing Checking Accounts

ALL of our checking accounts offer the following FREE services:

• FREE On-line Internet Banking
• FREE Bill Payment
• FREE Direct Deposit
• FREE Electronic Statement
• FREE 24-Hour Telephone Banking Access
• FREE Notary Service
• FREE Combined Statement

Additional Benefits:

• Overdraft Privilege*
• ATM Card*
• Debit Card*
• Overdraft Protection*
• Telephone Transfers*

*Subject to credit approval, additional fees may apply.

First Reward Checking

A unique checking account that pays premium interest rate and ATM refunds upon completion of three small qualifications. Available to Individuals, Non-Profit Organizations & Certain Government Entities.

• 3 Easy Requirements:
  • 10 Check Card Transactions
  • 1 Direct Deposit or ACH Auto Debit
  • Enroll and Receive Electronic Statement
• If Requirements Are Met:
  • Receive 3.55% APY on Balances up to $25,000
  • Balances Above $25,000 Receive .75% APY
  • ATM Fee Refunds Nationwide up to $30 per month
• If Requirements Are Not Met:
  • Receive Base Rate 0.25% APY
  • ATM Fees Are Not Reimbursed
• Must maintain minimum daily balance of $0.01
• $100 Minimum Opening Deposit
• Free Debit Card

First Now Checking

Designed for individuals who desire interest checking with check images. Available to Individuals, Non-Profit Organizations & Certain Government Entities.

• Interest Compounded Monthly
• $1,000 Minimum Opening and Daily Balance
• An $8.00 Service Charge if Balance Falls Below $1,000
• Monthly Statement with Check Images
• Pays market rate interest

BanClub NOW

Club membership benefits that pays interest. Available to Individuals, Non-Profit Organizations & Certain Government Entities.

• Interest Compounded Monthly
• $1,000.00 Minimum Opening and Daily Balance
• An $8.00 Service Charge if Balance Falls Below $1,000.00
• Monthly Statement with Check Images
• Pays market rate interest

Plus:

• Accidental Death Insurance* with three different plan choices:

  Basic Plan	$10,000 Coverage	$5.00 Monthly Club Maintenance Fee
  Personal Plan	$20,000 Coverage	$6.00 Monthly Club Maintenance Fee
  Family Plan	$30,000 Coverage	$7.00 Monthly Club Maintenance Fee

• Same Account Features as BanClub Checking:
  • $5,000 Identity Theft Insurance* with Fraud Assistance
  • Credit Alerts
  • Payment Card Protection
  • Everyday Rebate Rewards
  • Key Ring Protection
  • Savers Club Benefits
  • Personalized Club Checks

*Insurance is Not a deposit, Not FDIC insured, Not guaranteed by the government or the bank, and may lose value.

Money Market (Personal)

HI-FI (high interest - federally insured) Designed for individuals who want the benefits of higher interest rate and the flexibility that allows easy access to your money.

• $2,500.00 Minimum Opening and Daily Balance
• Interest Paid on Any Day Balance is Above $2,500.00
• Unlimited Withdrawals in Person
• 6 Transactions
• $10.00 Charge per Check after 3
• $8.00 Service Charge if Balance Falls Below $2,500.00
• Pays market rate interest