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 ACH deposit is credited to your account monthly.

E-First Account

This no-hassle account allows you up-to 10 checks a month and avoid a monthly service charge of $8 when an ACH deposit of $500 or more is credited to your account monthly. Unlimited debit card transaction and FREE –E Statements

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

· Paper statements mailed1 ………………………...….$4

· 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 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

· ACH deposit is credited to your account monthly.

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..$4.00

· Interest is paid monthly on daily collected balances

Must have 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