Regular Checking

• Write up to 25 checks per cycle at no charge
• $.25 per item fee over 25 checks
• $100.00 minimum deposit to open
• Monthly statement with check images
• $6.95 service charge if your average balance falls below $500.00 during the statement cycle

1st Choice Checking

• No minimum balance requirement
• Unlimited check writing
• Free Club checks
• $10,000 accidental death insurance
• Free notary service
• Monthly statement with check images
• $7.95 monthly service charge

Personal NOW Account

• $1,000.00 minimum deposit to open
• Earn interest
• Write up to 25 checks per cycle
• Monthly statement with check images
• $7.50 service charge if your monthly balance falls below $1,000.00

Ultimate Checking

• $10,000.00 minimum deposit to open
• Unlimited check writing
• $7.50 service charge if monthly balance falls below $1,000.00
• Four account balance tiers – earnings increase with each level
• Monthly statement with check images
• Not available to corporations, partnerships, limited liability companies, limited partnerships, etc.

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Savings Accounts

1st American Savings

• $100.00 minimum deposit to open
• Interest paid quarterly
• Six withdrawals per quarterly statement cycle
• $1.00 fee each withdrawal over six
• $3.95 service fee if quarterly average balance falls below $100.00

First Investment Money Market

• $2,500.00 minimum deposit to open
• Interest paid monthly
• Six debits per month
• $7.50 service fee if average balance falls below $2,500.00

Individual Retirement Account

• Roth and Traditional IRAs are available to help provide for your retirement.

Traditional IRA

• Contributions may be tax deductible
• May be insured up to $250,000.00
• If you are over 50, you may make catch-up contributions
• Penalty for early withdrawal

Roth IRA

• Contributions are not tax deductible
• Certain income limits are required to qualify
• Earnings grow tax free
• Penalty for early withdrawal

Automatic Savings

• First American will transfer the amount you authorize from your First American checking account into your savings account every month automatically.

Christmas Club

• Deposit as often as you like – no minimum required
• Receive a check plus interest in November of each year
• $5.00 fee for closing the account before club year has ended

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eStatements

eStatements:

E asy- simplify your account management

S ecure-User ID and Password protected

T raditional delivery is obsolete and slow

A rchived statements available for 3 months

T imely next day delivery

E fficient organization for downloading

M ail fraud isn’t an issue with estatements

E njoy all the benefits of Internet Banking & Bill Pay

N o Charge- Email Statements are delivered FREE

T ry it- We know you’ll be pleased!

 

Contact your Client Service Rep at First American today.

 

Services & Fees

Exchange fees:

Cashier Checks $10.00

Official Checks

Customer $ 5.00

Check Cashing

Non-Customer $ 10.00

Stop Payment $30.00

Non-Sufficient Funds $30.00

Record Research

$15.00 per hour plus

$1.00 per item copied

Photo Copies $ .30 each

Wire Transfers

Incoming $12.00

Outgoing $12.00

International $50.00

Safe Deposit Box – Annual Rent

Minimum $10.00 – up

Dormant Account Charge $20.00 annually

Faxes

Outgoing $7.50

Incoming $.50 per page

Visa Check Card no annual fee or maintenance fee

ATM Card No annual fee. Fees may apply for use at foreign machines (not owned by FANB)

First American Visa & Mastercard Credit Cards

No annual fee

Competitive Rates

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