Untitled Document

	Description	Minimum Daily Balance	Interest Bearing	Maintenance Fees	First National Extras	Other Qualifications
First Choice Checking	Ideal for those looking for convenience and value for a small monthly fee	None	No	$6.00 monthly service charge	Free Checks, Unlimited check writing	$100.00 deposit to open
Preference Checking	Convenience of low minimum balance with unlimited check writing	$400.00 to avoid service charge	No	$4.00 fee if balance falls below $400.00 during statement cycle	No per check charges, Check images returned with statement	$100.00 deposit to open
Option Checking	Low volume account with minimal maintenance costs	None	No	$.25 service charge/check or debit during statement cycle	Check images returned with statement	$100.00 deposit to open
Free Checking	Free and easy to maintain	None	No	None	No per check charges, checks safekept	$100.00 deposit to open
Senior Checking	Designed fo all depositors age 55 and older	None	No	None	Unlimited check writing, no per check charges, check images returned	$100.00 deposit to open
Non Profit Organization Checking	Offered to all nonprofit organizations	None	No	None	Unlimited check writing, no per check charges, check images returned	$100.00 deposit to open
^**Interest Checking	Earns interest and unlimited check writing ability	$500.00 to avoid service charge, any positive balance to earn APY	Yes*	$5.00 service charge if balance falls below $500.00 during statemen cycle	Check images returned with statement	$100.00 deposit to open
^**Ultimate Checking	Rewards you for your deposit relationship	$7,500.00 to avoid service charge, any positive balance to earn APY	Yes*	$7.50 service charge if balance falls below $7,5000.00 during statement cycle	1 box checks/year, notary, 10 photocopies/month, 10% discount safe deposit box	$100.00 deposit to open

^*We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items.

^**Some exceptions may apply for some corporations and partnerships due to federal banking regulations as to who may hold NOW accounts.