Non 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.

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FIRST Free Checking

Designed for individuals who want a flexible checking account with no minimum balance requirements and free check writing.

• No Monthly Service Charge
• Unlimited Check Writing
• No Minimum Balance to maintain
• Monthly Detailed Statement
• $100 Minimum Opening Balance

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FIRST Checking

Designed for individuals who desire copies of their checks with no minimum balance requirement.

• $4.00 per Month Service Charge; .25 per Debit Item; .20 Credit for each $100 Average Daily Balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period.
• No Minimum Balance to maintain
• Monthly Detailed Statement with Check Images
• $100 Minimum Opening Balance

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BanClub Checking

Club packaging at its best. Provides additional benefits and value for your money such as, identity theft and accidental death insurance and much more....

• No Minimum Balance to maintain
• Free Personalized Club Checks
• Accidental Death & Dismemberment Insurance*
• $5,000 Identity Theft Insurance* with Fraud Assistance
• Credit Alerts
• Everyday Rebate Rewards
• Key Ring Protection
• Savers Club benefits
• Monthly Detailed Statement with Check Images
• $100 Minimum Opening Deposit
• Insurance available in 3 different plan choices*:

  Basic Plan	$10,000 Coverage	$11 Monthly Service Charge
  Personal Plan	$20,000 Coverage	$12 Monthly Service Charge
  Family Plan	$30,000 Coverage	$13 Monthly Service Charge

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

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Wynner's Circle

Designed for individuals 50 and over who desire unique banking services such as free checks, insurance, trips and other activities.

• For Members Who Have Reached 50 Years of Age
• $500 Minimum Balance
  (An $8.00 Monthly Service Charge if Balance Falls Below $500)
• 2 Free - 120 Count Check Orders per Year of Personally Imprinted Club Checks
• $100,000 Common Carrier Accidental Death Insurance*
• Escorted Trips and Other Activities
• Monthly Statement with Check Images
• Identity Theft Insurance* with Fraud Assistance
• Payment Card Protection
• Key Ring Protection
• Savings Benefits:
  • My GetAway
  • Savers Club
    • Car Rental Discounts
    • Everyday Grocery Savings
    • Luggage Protection

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

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Wynner's Circle Plus

Receive the same benefits as Wynner's Circle without the minimum balance requirement at a discounted price.

• For Members Who Have Reached 50 Years of Age
• $100 Opening Deposit Required
• No Minimum Balance to maintain
• $6.00 Monthly Dues
• 2 Free - 120 Count Check Orders per Year of Personally Imprinted Club Checks
• $10,000 24-hour Accidental Death Insurance*
• $150,000 Common Carrier Accidental Death Insurance*
• Escorted Trips and Other Activities
• Monthly Statement with Check Images
• Identity Theft Insurance* with Fraud Assistance
• Credit Alert
• Payment Card Protection
• Key Ring Protection
• Safe Deposit Box discounted 50% for a 3x5 box
  • Savings Benefits:
    • My GetAway
    • Everyday Rebate Rewards
    • Savers Club
      • Car Rental Discounts
      • Everyday Grocery Savings
      • Luggage Protection

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

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Student Checking

A special checking account offered to full-time students.

• Available to 25 Years of Age or Under
• $50 Minimum Opening Deposit
• 50 Free Checks at time of Opening
• Write up to 25 Checks per Month at No Charge
  (A charge of .25 per check will be imposed thereafter)
• Monthly Statement with Check Images