Personal Checking

FIRST CHECKING

The First Checking account is your personal checking account. This account is designed to give you access to your money when you need it.

· Minimum to open…………………………………….…….$100

· Non–interest bearing

· Online, Mobile & Text Banking

· MasterCard® Debit Card

· Unlimited check writing

· Free E-Statements; paper statements available at a discounted price of $2 per statement mailed1

A monthly account fee of $6 can be avoided when any one of the following activities is met each month: a minimum daily balance of $500 or an ACH deposit is credited to your account monthly.

E-First Account

This no-hassle account allows you up to 10 checks a month and avoids a monthly service charge of $8 when an ACH deposit is credited to your account monthly. Unlimited debit card transaction and FREE –E-Statements

· Minimum to open…………………………………..………$100

· Paper statements mailed1 ………………………...….$2

· Non-interest bearing

· Online, Mobile & Text Banking

· MasterCard® Debit Card

· Fee per checks over 10……………………………..….0.25

Prestige Account*

The First Prestige Account is a personal account that offers all the features found in the First Checking account plus earning potential.

· Minimum to open……………………………………...$100

· Earns interest daily and is credited monthly. Minimum collected daily balance

required to earn interest ………$1000

· Online, Mobile & Text Banking

· MasterCard® Debit Card

· Unlimited check writing

Avoid a monthly account fee of $8 when any one of the following activities is met each month:

· Minimum daily balance of………………….....$1000

HEALTH SAVINGS ACCOUNT

This savings account allows you to make withdrawals for qualified medical expenses and contributions to your account may be tax-deductible.

· Minimum to Open……………………………...……...$100

· No minimum balance required

· Earns interest daily and credited monthly

Minimum collected daily balance required to earn interest………………………………….….$2,000

· Annual Maintenance Fee………..….………...…….$20

· MasterCard® Debit Card

· Online banking with bill pay

· Free E-Statements; Paper statement fee..$2.00

· Interest is paid monthly on daily collected balances

Must have a high deductible health plan (HDHP) to contribute to an HSA

HSA account holders receive monthly statements for accounts having ACH activity.

Accounts without ACH activity monthly receive a yearly statement.

*Interest is subject to change based on market conditions