First Checking

First Convenience Checking

First Money Market

First Business Checking

Certificates of Deposit

FDIC Notice

First Checking                                                                                             Application for First Checking

• Unlimited check writing
• Free ATM/Debit card (upon approval)
• Imaged copies of canceled checks included in monthly statement
• No monthly service charge if balance is greater than $100; otherwise monthly service charge of $20.00

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First Convenience Checking                                 Application for First Convenience Checking

• Unlimited Check Writing
• Free ATM/Debit Card (upon approval)
• Copies of canceled checks not included in monthly statement
• No Monthly Service Charge
• $50.00 Minimum Opening Balance
• First fifty (50) Checks Free

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First Money Market                                                                    Application for First Money Market

• Interest Paid Monthly *
• Imaged copies of canceled checks included in monthly statement
• Six debit transactions per month (limit of 6 by check, draft, telephone transfer)
• No monthly service charge with $2,500 minimum daily balance, otherwise $15.00
• $2,500 Minimum Opening Balance
• $15.00 service charge if closed within 6 months

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First Business Checking                                                    Application for First Business Checking

• Unlimited Check Writing
• Imaged copies of canceled checks included in monthly statement.
• Monthly Service Charge of $10.00

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Certificates of Deposit

• Fixed Rates
• No Minimum to Open
• Any Term Available
• Interest Payable - to CD, Deposited to Checking or by Check
• Automatic Renewal CD's - CD Automatically Renews with Same Terms at Maturity - Interest Rate and Annual Percentage Yield changes to Rate and Yield as of Maturity Date
• Non-Renewable CD's - CD must be Turned into Bank to be Reworked
• CD's Redeemed Before Maturity Subject to Penalty According to CD Term

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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