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NON-INTEREST BEARING

First Team Free Checking

No Minimum Balance
$50 Min. Initial Deposit to Open Account
No Per Check/Debit Charge
No Monthly Service Charge
Free 50 Checks With Initial Full Order At Time
Of Account Opening
Shazamcheck/Debit Visa Card (Subject To Qualification)
FREE ATM Use At Our ATM Locations
Transactions At Atms We Do Not Own/Operate,
$1.00 Per Transaction
Monthly Statement  - Automatic Check Safekeeping
Monthly Statement - Check Images $3.50
Overdraft Privilege (Discretionary)
FREE Internet Banking

Spirit Checking
Students to age 18
Same as First-Team Free Checking
First Checks Free-- Branded with school logo.  See here.

Health Savings Account
NO Annual Fee
First Box of Checks FREE
$25 Set Up Fee
Minimum Balance to Avoid Service Charge $300
Service Charge if below Minimum $7.50
No per check/debit charge
Debit/VISA card available
Balances and Rates are Tiered:
  Tier 1 - $10,000 and over
  Tier 2 - $5,000-9,999.99
  Tier 3 - $300.00 - $4,999.99
Interest Compounded and Credited Monthly
Daily Ledger Balance Computation Method
Interest Rate and Annual Percentage Yield may change at any time.
Contact Branch for Details

INTEREST BEARING

NOW Checking
Minimum Balance To Avoid Service Charge $300
Service Charge If Below Minimum $7.50
No Per Check/Debit Charge
Shazamcheck/Debit Visa Card (Subject To Qualification)
FREE ATM Use At Our ATM Locations
Transactions At Non-FNB ATMs, $1.00 Each
Monthly Statement With Check Images
Overdraft Privilege (Discretionary)
FREE Internet Banking
Balances And Rates Are Tiered
Tier 1 - $10,000 & Over
Tier 2 - $5,000.00 To $9,999.99
Tier 3 - $ 300.00 To $4,999.99
Interest Compounded And Credited Monthly
Daily Ledger Balance Computation Method

Classic 50 (Age 50 and Over)
Minimum balance to avoid service charge $100.00
Service charge if below minimum $5.00
No Per Check/Debit Charge
Shazamcheck/Debit Visa Card (Subject To Qualification)
FREE ATM Use At Our ATM Locations
Transactions At Non-FNB ATMs, $1.00 Each
Monthly Statement With Check Images
Overdraft Privilege (Discretionary)
FREE Internet Banking
Interest Compounded And Credited Monthly
Daily Ledger Balance Computation Method
FREE Traveler's Checks
FREE Cashier's Checks (Up To 3 Per Month)
FREE Money Orders (Up To 3 Per Month)



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