First BUSINESS Checking Account
-- The minimum deposit to open this account is $50.
-- You will receive a monthly image statement.
-- The service charge schedule based on the average daily balance you maintain during the statement cycle is as follows:
- $5.00 per month flat fee
- plus $0.10 for each withdrawal over 40
- plus $0.05 for each transit item deposited over 50
- plus $0.05 for each on-us item deposited over 50
-- You will earn a credit toward your monthly service charge fee per $100.00 average daily balance maintained during the statement period.
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First CHECKING WITH INTEREST Account
-- The minimum deposit to open this account is $100.00
-- You must maintain an average daily balance of $1,000.00 to earn the disclosed APY and to avoid imposition of a minimum balance fee.
-- The fee for falling below the $1,000.00 average daily balance is $12.00 per statement cycle.
-- Interest will be compounded and credited to your account each month at your statement cycle.
-- If you close your account before interest is credited, you will not receive the accrued interest.
-- At our discretion, we may change the interest rate on your account.
-- Interest begins to accrue no later than the first business day after the banking day of deposit.
-- Fees assessed could reduce the earnings on this account.
-- You will receive a monthly image statement.
-- Prohibited account holders are Corporations, Partnerships, Associations and Credit Unions.
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First MONEY FUND SAVINGS Account
-- The minimum deposit to open this account is $1,000.00.
-- At our discretion, we may change the interest rate on your account.
-- You must maintain a daily balance of $1,000.00 to earn the disclosed APY and to avoid imposition of a fee.
-- The APY and interest rate are tiered on this account type as follows:
- $ 1.00 - $24,999.99
- $25,000.00 - $49,999.99
- $50,000.00 - $99,999.99
- $100,000.00 - $499,999.99
- $500,000.00 and above
-- The fee for falling below the $1,000.00 daily balance is $10.00 per statement cycle.
-- There is a $1.00 fee for each debit transaction in excess of six per month.
-- Fees assessed could reduce the earnings on this account.-
- Transfers from a First Money Fund Savings account to another account or to third parties by pre authorized, automatic, or telephone transfer are limited to six per statement cycle. Three of the six transfers may be made by your Master Money debit card.
-- You will receive a monthly image statement.
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First GOLDEN ANNIVERSARY Account
-- You may open this type of account at age 50.
-- The minimum deposit to open this account is $50.00
-- There is no limitation of transaction activity on this account.
-- A flat service charge fee of $3.00 will be charged at each statement cycle.
-- You will be provided 1 box of checks (wallet style "Safety Checks") per year with no fee.
-- All other types of check orders must be paid for.
-- You will receive a monthly image statement.
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First SAVINGS Account
-- The minimum deposit to open this account is $25.00.
-- At our discretion, we may change the interest rate on your account.
-- You must maintain a minimum average daily balance of $100.00 to earn the disclosed APY.
-- A monthly minimum balance fee of $3.00 will be imposed every month that the average daily balance in the account falls below $100.00. This fee will be waived if the account holder is under 18 years of age.
-- You are allowed six withdrawals per month without charge, excluding telephone transfers.
-- You will be charged $1.00 per withdrawal after the six-withdrawal limit.
-- Fees assessed could reduce the earnings on this account.
-- Interest will be compounded and credited to your account quarterly at each statement cycle.
-- You will receive a quarterly statement. (If you have EFT activity on your account you will receive a monthly interim statement.)
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