1st Constitution Bank Personal Banking Guide

Personal Savings Accounts

We offer different kinds of savings accounts for your individual needs. There’s never been a better time to start saving; let us help you start!

IF YOU CURRENT SHORE COMMUNITY BANK ACCOUNT IS:

YOUR NEW 1ST CONSTITUTION BANK ACCOUNT IS:

PRODUCT DESCRIPTION

Statement, Surf High Interest, Lamplighter, Passbook

Statement Savings

Interest Bearing Account. Interest compounds monthly and posts monthly. ATM Card available. Online Banking, Mobile Banking, Mobile Deposit, E-statements available. Six transfers/pre- authorized withdrawals per statement cycle. $10 fee may apply for transfers and pre-authorized withdrawals above the limit of six. In person withdrawals are unlimited. Monthly Service Charge: $5 if the daily balance falls below $200 any day during the statement cycle. Receive monthly statements. See branch for current rates. Interest Bearing Account. Interest compounds monthly and balance paid out annually. Monthly Service Charge: None. See branch for current rates.

Holiday Club

Holiday Club

IRAs

What you need to know about your IRA account: Interest Rate & Terms We offer several IRA products to help you plan for your future.

ACCOUNT NAME PRODUCT DESCRIPTION

IRA Certificate of Deposit 30 Days - 11 Months

Time Account. Interests compounds daily and posts monthly. Accrued interest can post to the account. May be paid monthly by check or deposited into an account within the bank. 10 day grace period from date of maturity to redeem or renew. Traditional, Roth, Education and SEP IRAs available. Early Withdrawal Penalty: 90 days loss of simple interest. Time Account. Interests compounds daily and posts monthly. Accrued interest can post to the account. May be paid monthly by check or deposited into an account within the bank. 10 day grace period from date of maturity to redeem or renew. Traditional, Roth, Education and SEP IRAs available. Early Withdrawal Penalty: 180 days loss of simple interest.

IRA Certificate of Deposit 12-60 Months

HOME EQUITY LINE OF CREDIT NO FEES* No Documentation Fees No Appraisal Fees As our way of saying “Welcome to 1st Constitution Bank,” we’d like to invite you to apply for a Home Equity Line of Credit and waive your documentation and appraisal fees.* Simply call our Home Equity Expert, Brett Molloy at 908-219-8562 and reference “Shore Community Welcome Guide” or visit your local Branch. *Title Insurance at Borrower’s expense is required for Lines of Credit $500,000 and over. Please note: this offer is for customers of Shore Community Bank who apply for a new Home Equity Line of Credit before 12/31/2019. Please contact our loan specialists for complete details. Loan qualification are based on individual credit worthiness. Cannot be used in conjunction with any other offer. Limited offer. Subject to change. OFFICIAL USE ONLY - LOAN # ___________________________ CLOSING DATE __________________ NMLS #433840

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