First National Bank Booklet

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

New Account Offering

Advantage Checking

To earn higher interest rate, receive ATM fee refunds and avoid $7 monthly service fee, all of the following qualifications must be met per one calendar month: Must be enrolled to receive E-statements, Must make 10 debit card purchases, At least one ACH or direct deposit. Unlimited monthly transactions, Monthly E-statement, ATM fee refunds up to $30 per cycle when qualifications are met Required minimum balance to avoid monthly service fee $500, monthly service fee $5, Unlimited monthly transactions, Free bank stock checks, Available for customers age 55 and older, 10% discount on safe deposit box rental, Free Cashier’s Checks, Monthly E-statement, Paper statement fee $5 Opening balance $100 (18 and under: $0 opening balance, FNB will provide $1), Earns interest, Required minimum balance to avoid fees $100, Monthly service fee $5, Six withdrawals per month, Excess transaction fee $4, Monthly E-statement, Paper statement fee $5 Opening balance $2, Earns interest on balances up to $5,000, No minimum balance, No monthly service fee, once funds are deposited into Christmas Club account, withdrawals are not allowed until distribution date, Monthly E-statement, Paper statement fee $5 Opening balance $2, Earns interest on balances up to $5,000, No minimum balance, No monthly service fee, once funds are deposited into Vacation Club account, withdrawals are not allowed until distribution date, Monthly E-statement, Paper statement fee $5 Enrollment fee $25, Earns interest, No Monthly Service Fee, Deposits may be Tax Deductible, Up to Six Free Withdrawals Monthly, Transaction Fee of $10 per Withdrawal in excess of six per month, 10 Free Starter Checks, HSA Debit Card Available, Monthly E-statements, Paper statement fee $5

FNB Senior Select

Senior Select Checking

FNB Regular Savings FNB Student Savings

Regular Savings

New Account Offerings Christmas Club

Vacation Club

FNB Health Savings Account (HSA)

Health Savings Account (HSA)

Consumer Money Market Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FNB Money Market

Money Market

Required minimum balance to avoid fee $2,500, Monthly service fee $12, Six debits per statement cycle, Excess transaction fee $10, Monthly E-statement, Opening balance $2,500, Paper statement fee $5

FNB Money Market Plus FNB Money Market Max

Money Market Plus

Required minimum balance to avoid fee $10,000, Monthly service fee $15, 6 debits per statement cycle, Excess transaction fee $10, Monthly E-statement, Opening balance $10,000, Paper statement fee $5

FNB Relationship Money Market

Relationship Money Market

Nonstandard tiers: $0 - $249,000 and >= $250,000

INTEREST TIERS

Interest Tiers $0 - $24,999

$25,000 - $49,999 $50,000 - $99,999 $100,000 - $449,999 >= $500,000

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