First State Bank Booklet

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FSB Advantage Checking

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

New Account Offering

Senior Select Checking

FSB Savings Consumer

Regular Savings

FSB Christmas Club

Christmas Club

FSB Vacation Club

Vacation Club

New Account Offering

Health Savings Account (HSA)

Consumer Money Market Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FSB Money Market Consumer

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

FSB First Capital

Money Market Plus

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

GRANDFATHERED ACCOUNTS (NO LONGER OFFERED, BUTWILL BE SERVICED PER THE CURRENT TERMS AND FEATURES)

INTEREST TIERS

Interest Tiers $0 - $24,999

FSB Golden Key Club FSB Key Club 10,000 FSB Key Club 20,000

FSB Key Club 30,000

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

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