Personal Checking Accounts

*Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled togetherby merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Please visit our website at www.fnbdc.com or stop by one of our locations for specific Monthly Qualification Cycle dates. Reward Information: Depending on what reward checking account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Prestige Plus Checking: daily balances up to and including $25,000 receive an APY of 5.00%; and daily balances over $25,000 earn an interest rate of 0.50% on the portion of the daily balance over $25,000, resulting in a range from 5.00% to 1.40% APY depending on the account’s daily balance. Simply Cash Back Checking: you will receive 5% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. Simply Eats Checking: you will receive 5.00% cash back on up to a total of $400 debit card purchases made at grocery stores and food delivery services identified at http://www.fnbdc.com/personal/checking, that post and settle to the account during that cycle period. A maximum of $20 cash back payments may be earned per Monthly Qualification Cycle. Simply Play Checking: you will earn refunds, up to a combined, aggregate maximum of $10 on debit card purchases, made with music, video, gaming and other digital streaming services identified at http://www.fnbdc.com/personal/checking, that post and settle to the account during that cycle period. Your account’s debit card may be used for any transaction, but the account’s streaming services’ refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to our website at www.fnbdc.com or visit one of our locations for a current list of merchants. Super Saver: daily balances up to and including $100,000 in your Super Saver account earn an APY of 2.00% and daily balances over $100,000 earn an interest rate of 1.00% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.50% APY depending on the account’s daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Prestige Plus Checking, Cash Back, Cash Back Eats and Cash Back Play accounts during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

NOTE:

Saver ATM transaction fees are not reimbursed nor refunded. Depending on your reward checking account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: Prestige Plus Checking: the entire daily balance in the Prestige Plus Checking account earns 0.05% APY. Super Saver: the entire daily balance in the Super Saver account earns 0.05% APY. Interest will be credited to your Prestige Plus Checking and Super Saver accounts on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Simply Cash Back Checking, Simply Eats Checking, and Simply Play Checking account will be credited to your Super Saver account on the last day of the current statement cycle. If the checking account is linked to Super Saver, the following also apply: Prestige Plus Checking: When linked to a Super Saver account, the interest earned within the Prestige Plus Checking account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Super Saver account within one day. This automatic transfer may cause an overdraft to your Prestige Plus Checking account, if the account balance is less than the transferred amount when the transfer occurs. Simply Cash Back Checking/Simply Eats Checking/Simply Play Checking: When linked to a Super Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your checking account will be credited to your Super Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 08/01/2025. APY calculations are based on an assumed balance of[$25,000 + $100,000 in your Prestige Plus Checking account and $100,000 + $100,000 in your Super Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, logons and other requirements apply. $100 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Super Saver’s linked Prestige Plus Checking or Cash Back account’s qualifications. Limit of 1 account(s) per SSN. There will be a $25 fee imposed for new accounts closed within 90 days. A Prestige Plus Checking, Simply Cash Back Checking , Simply Eats Checking or Simply Play Checking account is required to have a Super Saver account. A linked Super Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit our website at http://fnbdc.com or stop by one of our locations for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.