Personal Checking Accounts

First Reward Checking Account

Earn 6.01%APY on balances up to $25,000.

Earn 1.01%APY on balances over $25,000.

Earn ATM Fee Refunds Nationwide (up to $30/cycle).

To earn the Reward Rates, perform the following each cycle:

Make 10 First Check Card Transactions
Set-up One Direct Deposit or ACH Auto Debit
Receive Electronic Statements

*6.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 1.01% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.50% APY; however, it will not receive ATM refunds for that time period. Rates as of February 27, 2008. We may change the interest rate and APY at any time after the account is opened. Deposit a minimum of $100 to open this account. No monthly service charge. **ATM refunds up to $30 per cycle if requirements are met.

(for information on the benefits of this account click here)

First Free Personal Checking Account

No Monthly Service Charge
Unlimited Check Writing
No Minimum Balance
Online Banking
Bill Pay Service
First Access Service
Notary Service
Monthly Descriptive Statements
Overdraft Privilege (upon approval)
$100 Opening Deposit Required

First Checking

Minimum Balance to open - $100.00

Service Charge - $4.00/month

Per Debit Item - .25¢/item

The service charge will be credited .20¢ for each $100 average daily balance maintained.

Ban Club Checking Account

(for more info on the benefits of this account click here)

The Wynne First checking account with extras, free personalized Club Checks and travelers checks. PLUS discounts on trips, motels, and rental cars. PLUS accidental death insurance in 3 different plans at a monthly cost as indicated.

Coverage	Amount	Fee
Basic Plan	$10,000.00	$11.00
Personal Plan	$20,000.00	$12.00
Family Plan	$30,000.00	$13.00

Wynner's Circle and Wynner's Circle Plus

(for more info on the benefits of this account click here)

The Wynner's Circle account is an exclusive package of banking services plus travel opportunities for members who have reached the age of 50. One free 200 count check order per year. Members receive no service charge checking on a balance of $500.00 or more. If balance falls below $500.00 an $8.00 monthly service charge will be imposed.

Wynner's Circle Plus members enjoy all the benefits of the Wynner's Circle account PLUS you receive additional insurance coverage and no minimum balance requirement. All for a $6.00 monthly service charge.

Student Checking Account

Student Checking is offered to any full time student with a minimum deposit of $50.00. An introductory pack of 50 checks will be ordered when the account is opened. Costs of re-orders will vary with style and quantity of checks. Students may write up to 25 checks per month. A charge of .25¢ per check will be imposed thereafter. Maximum age for student is 25 years.

Commercial Checking Account

Minimum balance to open $100.00. Monthly service charge of $8.00 per month, with a 25 cents charge per debit item. The service charge will be credited 20 cents for each $100.00 average daily balance maintained. Costs of personalized checks and deposit slips will vary with style and quantity.