Personal Banking
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Checking Accounts

REGULAR CHECKING

• $500 Minimum Balance
• $6.00 Service Charge if below minimum monthly balance
• $100.00 Opening Balance
• Unlimited Check Writing
• Overdraft Privilege $500*
• Free ATM Card or CheckCard

REWARD CHECKING

• No Minimum Balance
• $100.00 Minimum Opening Balance
• Free CheckCard
• Overdraft Privilege $500*

Rate Information:                                                                                                                                                 The interest rate on your account is .10% with an annual percentage yield of .10%.*

When the Reward Checking requirements are met, the interest rate on your account and corresponding annual percentage yield (APY) is described as follows:

Tiered Rate:  Variable Rate based upon Variable Balance

• Top Tier:  An interest rate of .75% will be paid only for that portion of your daily balance that is greater than $25,000. The annual percentage yield for this tier will range from 3.55%* to .76%* depending on the balance in the account.
• Bottom Tier: If your daily balance is less than $25,001.00, the interest rate on your account will be 3.5%* with an annual percentage yield of 3.55%*

REWARD CHECKING REQUIREMENTS: To qualify for "REWARD Checking" rates, you must:

• Make 10 debit card point of sale transactions per "qualification cycle" and
• Receive your monthly statement electronically and
• Process one direct deposit or one auto debit per "qualification cycle" and
• Access Online Banking at least once per "qualification cycle"

"Qualification cycle" means a period beginning one day prior to the current statement through one day prior to the close of the current statement.

If you have met your eligibility requirements for the statement cycle, we will refund all domestic ATM fees for that statement cycle.

If monthly requirements are not met, we will pay not less than the minimum rate on your account.

*Interest Rate effective 4/1/07 and is subject to change.

SENIOR ADVANTAGE CHECKING

• $1000 Minimum Balance
• $10 Service Charge If Balance Falls Below $1000
• Interest Bearing Account
• Free First State Bank Custom Checks
• Free CheckCard
• Free Internet Banking with Bill Pay
• Overdraft Privilege $500
• Quarterly Newsletter
• Travel and Events
• Age 55 and Up

FIRSTRATE CHECKING

• $1000 Minimum Balance
• $20 Service Charge
• $1000 Opening Balance Requirement
• Unlimited Check Writing
• Free ATM Card or CheckCard
• Overdraft Privilege $500*

INTEREST CHECKING

• $1,000 Minimum Balance
• $10.00 Service Charge if below minimum monthly balance
• $1,000.00 Opening Balance
• Unlimited Check Writing
• Overdraft Privilege $500*
• Free ATM Card or CheckCard

SENIOR CHECKING

• Free Checking with Direct Deposit
• Free Corporate Image Checks
• $100.00 Minimum Opening Balance
• Overdraft Privilege $500*
• Free ATM Card or CheckCard

FREE CHECKING

• $100 Minimum Opening Balance
• Unlimited Checkwriting
• Free Check Safekeeping (No Checks or Check Images Returned)
• Overdraft Privilege $300*
• Free ATM Card

FIRST CLUB ACCOUNT

• Basic - $7.00 Service Charge
• Joint - $8.00 Service Charge
• Family - $9.00 Service Charge
• Free Checks
• Free Travelers Checks
• Free Cashier Checks
• Free Money orders
• Free ATM Card or CheckCard
• Overdraft Privilege $500*
• AD&D Insurance

FIRST PACKAGE ACCOUNT

• $5,000 Combined Deposit Balance
• 1/4% Rate Discount on Consumer Loan or Line of Credit
• 1/4% Bonus Rate on CD's
• Free Checks
• Free Travelers Checks
• Overdraft Privilege $500*
• Free Money orders
• Free ATM Card or CheckCard
• $15 Service Charge below deposit minimum

* Overdraft Privileges are for qualified accounts open more than 60 days.

• Whether we pay or return a non-sufficient funds item, a per item fee will be charged to your account as a non-sufficient funds or overdraft charge, as set forth in our fee schedule.
• A fee may be imposed for covering overdrafts created by check, in person withdrawal, ATM withdrawal or other electronic means as applicable.
• The amount of any overdraft plus the non-sufficient or overdraft charge that you owe us shall be due and payable upon demand.
• Whether your overdrafts will be paid is discretionary and we reserve the right to refuse to pay an overdraft at any time.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have an excessive amount of overdrafts.