First Step Checking
First Step Checking is perfect for first time account owners. It offers unlimited check writing ability without charging a monthly service charge or requiring a minimum balance. Student Checking accounts include:

• No monthly service charge
• No minimum balance requirement
• Unlimited check writing ability
• We will purchase your first 50 checks
• Receive your check images in your statement

*Parents must bank with us or if student is a minor, parent must be an owner on the account.

*Subject to a service charge upon completion of education or age 25, whichever is first. College students MUST notify Bank in September of enrollment to maintain status on checking account.

First Campus Checking
Designed for students on the go, offering unlimited check writing ability and no monthly maintenance fee for ATM/Check Cards, this account is perfect for those who never know when they may need a little extra money.

• No monthly service charge
• No minimum balance required
• Unlimited check writing ability
• We will purchase your first 50 checks
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• Overdraft Privilege - Limit $300

*Subject to a service charge upon completion of education. College students MUST provide the Bank with proof of enrollment to maintain status on checking account.

First Advantage Checking
This account has GREAT benefits for you if you keep high balances in your accounts!

• Must maintain $10,000 total deposit relationship
• Service charge is calculated based on the actual daily balance of all of the customer's deposit accounts.
• If all of your deposit accounts maintain a total daily balance of $10,000 or higher, your $10.00 monthly service charge will be waived
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• Must maintain a $1,500 balance to earn interest
• Unlimited check writing ability
• First Bank's custom image checks at no charge (duplicates $5)
• No fees for the following services:
  Wire Transfers
  Single Signature Travelers Checks
  Cashiers Checks
• Receive your check images in your statement
• 3x5 Safe Deposit Box free for 6 months
• Includes Club Package:
  $10,000 Accidental Death Insurance
  Medical Emergency Data Card
  Traveler's Advantage 24 Hour Travel Reserve service
  Sojourns Magazine subscription
  Savers Club of America nationwide discount book
  Credit Card Protection Service
  Registered Key Ring & Lost Key Return service
  Emergency Cash Advance service
• Overdraft Privilege - Limit $1,000

Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rate may change at any time at bank's discretion.

For current interest rate information, please contact First Bank & Trust Co.

First Rate Checking
Designed for customers who are able to maintain a $1500 balance.

• Interest bearing
• Service charge is calculated based on the actual daily balance:
  $1,500 balance maintained - No monthly service charge
  $1,499 - $0 - $7.50 monthly service charge
• Unlimited check writing ability
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• We will purchase your first 50 checks
• Receive your check images in your statement
• No fee for single signature traveler's checks
• Overdraft Privilege - Limit $1,000

Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rate may change at any time at bank's discretion.

For current interest rate information, please contact First Bank & Trust Co.

First Place Checking
Reduce your fees by maintaining a $500 daily balance!

• Service charge is calculated based on the actual daily balance:
  $500 balance maintained - No monthly service charge
  $499 - $0 balance - $5.47 monthly service charge
• Unlimited check writing ability
• We will purchase your first 50 checks
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• Receive your check images in your statement
• Overdraft Privilege - Limit $800

First Class Checking
Our First Class Checking Account is designed for those customers who find themselves writing a lot of checks.

• $6.50 monthly service charge
• First Bank's custom image checks at no charge ($5 for duplicates)
• No minimum balance required
• Unlimited check writing ability
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• Receive your check images in your statement
• Overdraft Privilege - Limit $800

First Class Plus Checking
Designed for our customers age 62 and over.

• No monthly service charge
• No minimum balance required
• Unlimited check writing ability
• First Bank's custom image checks at no charge (duplicates $5)
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• Reduced fee of $1 for outgoing wire transfers
• No fee for single signature traveler's checks
• No telephone transfer fee
• Receive your check images in your statement
• Overdraft Privilege - Limit $800

First Freedom Checking
It just doesn't get any better than this account!

• No monthly service charge
• No minimum balance required
• Unlimited check writing
• We will purchase your first 50 checks
• No monthly maintenance fee for ATM/Check Card (*Subject to approval)
• Overdraft Privilege - Limit $500

• Interest bearing - Rates based on balance
  Less than $5,000
  Greater than $5,000
  Greater than $10,000
• Unlimited check writing ability
• We will purchase your first 50 checks
• Receive your check images in your statement

Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rate may change at any time at bank's discretion.

For current interest rate information, please contact First Bank & Trust Co.