Checking Accounts

We offer a full line of checking accounts designed to meet your individual needs and help you better manage your money. Our accounts are customized for your convenience.

FIRST Rewards Checking

You deserve rewards and great benefits like earning interest.

BENEFITS

• Earn 3.00% APY on balances from $0.01 to $25,000
• NO minimum balance required
• Online Bill Pay
• 1ST Ready Online Banking
• 1ST Ready VISA Debit Card
• e-Statement
• Minimum $100 deposit to open account

Three Easy Requirements to meet each statement cycle:

• Receive one direct deposit or ACH credit
• Make 12 electronic transactions for everday purchases
• Receive an e-Statement instead of a paper statement

In a statement cycle when minimum requirements are met 3.00% APY (Annual Percentage Yield), is paid on balances from $0.01 to $25,000.00 and 0.20% APY is paid on balances above $25,000.01. Each statement must have ACH Credit and Debit, POS or ACH Transactions posted per qualified cycle. Available for Personal accounts only, two per household. APY may change at any time after account is opened. APY as of April 1, 2010. See bank for details.

FIRST Choice Checking

Simple and easy access to your money is the first choice.

BENEFITS

• NO minimum balance required
• 1ST Ready Online Banking
• 1ST Ready VISA Debit Card
• e-Statement
• Minimum $100 deposit to open account

FIRST Start Student Checking

Designed just for students, this account is your first start in banking.

BENEFITS

• NO minimum balance required
• 1ST Ready Online Banking
• 1ST Ready VISA Debit Card
• 50 personalized checks
• e-Statement
• Minimum $50 deposit to open account

If you are under 18 years old, a parent or guardian is needed to open a checking account. Must be 18 to receive a debit card.

PERSONAL Checking

Manage your personal finances with care and convenience.

BENEFITS

• NO service charge - Balances of $750 and over
• Balances under $750 - $10 fee per month
• Online Bill Pay at no charge with e-Statement
• 1ST Ready Online Banking
• 1ST Ready VISA Debit Card
• Optional paper statement with check images (BIll Pay fees apply)
• Minimum $100 deposit to open account

FIRST Freedom Club (For persons age 55 and over)

This interest bearing account gives you freedom and convenience.

BENEFITS

• NO service charge - Balances of $100 and over
• Balances under $100 - $3 fee per month
• 1ST Ready Online Banking
• 1ST Ready VISA Debit Card
• Box of personalized checks per year
• Paper statement with check images
• Minimum $100 deposit to open account

NOW Checking

Optimize your checking account now and earn interest on your money.

BENEFITS

• NO service charge - Balances of $1,000 and over
• Balances under $1,000 - 25 checks per month, then $0.25 each
• Balances under $1,000 - $9 fee per month
• Balances under $500 - $12 per month, no interest paid
• 1ST Ready Online Banking
• 1ST Ready VISA Debit Card
• Paper statement with check images
• Minimum $250 deposit to open account

Corporations, associations and partnerships are not eligible for this account.

A-1 MONEY Fund Accounts

Earn interest with the A-1 money fund to help you achieve your financial goals.

BENEFITS

• No service charge - Balances of $1,000 and over
• Balances under $1,000 - $10 fee per month
• Six transactions allowed per cycle, over 6 - $10 each
• 1ST Ready Online Banking
• Paper statement without check images
• Minimum $2,500 deposit to open account

Contact any of our banking center locations or email us ⁺ for more information about our checking accounts.

⁺Please do not send confidential information (such as your social security number, account numbers and other account information) in Internet email.

*The annual percentage yield is subject to change.

**Courtesy Overdraft Protection: What you need to know about Overdrafts and Overdraft Fees**