Personal Checking First Trust and Savings Bank

Product	Interest Bearing	Account Details	Additional Fees
First Checking	No	No minimum balance Unlimited Debits No per check charge No monthly service charge Unlimited check writing	No monthly service fee
First Preferred Money Market	Yes	Tiered Interest Rates Max 6 debits per monthly statement cycle	$5.00/cycle if below minimum balance requirement $5.00 fee for each debit in excess of 6 posted during monthly statement cycle
Home Advantage Checking	No	No minimum balance No per check charge Free personalized checks (2 boxes/year) Discount on safe deposit box rental Waived issue charge for money orders or cashier’s checks	None
Rewards Checking	No	No minimum balance No per check charge Must meet 3 of the below requirements per statement cycle: Open or maintain savings account Open or maintain CD account One Auto Debit One Auto Credit Use your debit card for 10 purchases (POS) each statement cycle E-statements	Paper Statement Fee $5.35/cycle (if applicable)
NOW Checking	Yes	Maintain minimum balance to earn 0.05% APY Variable Interest Rate	$5.00/cycle if below minimum balance requirement $0.20 for each debit in excess of 25 posted during monthly statement cycle
First Investors	Yes	Tiered Interest Rates Unlimited check writing Free Personalized Checks (2 boxes annually) Waived issue charge for money orders or cashier’s checks Discount on safe deposit box rental Discount on photocopies	$5.00/cycle if below minimum balance requirement