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Personal Checking

First Rate Direct
Minimum Balance	Service Charges	Description
No Minimum Balance	FREE- No Service Charge	Free checking with a monthly direct deposit. $50 minimum opening deposit
Benefits
No minimum balance No monthly service charge Unlimited check writing FREE and unlimited FCB ATM usage PLUS Receive ATM rebates up to $1.50 each time you use another bank’s ATM* Customers 55 years or better receive FREE FCB insignia checks for life First 150 checks FREE for new customers Interest paid on average daily collected balance of $1,000 and over FREE MasterMoney Debit and ATM card(s) FREE statement binder and monthly check image statements Overdraft protection available 24hr phone banking service

First Rate Checking
Minimum Balance	Service Charges	Description
$150.00 minimum daily balance	No Service Charge if minimum balance is maintained. If the balance falls below the minimum anytime during the statement cycle, there is a $6.50 monthly service charge*.	Low minimum balance checking. $50 minimum opening deposit
Benefits
Unlimited check writing FREE and unlimited FCB ATM usage PLUS Receive ATM rebates up to $1.50 each time you use another bank’s ATM* First 150 checks FREE for new customers Interest paid on average daily collected balances of $1,000 and over FREE MasterMoney Debit and ATM card(s) FREE statement binder and monthly check image statements Overdraft protection available 24hr phone banking service

FCB’S Totally FREE Checking
Minimum Balance	Service Charges	Description
No Minimum Balance	FREE-No Service Charge	Totally FREE Checking. Available for personal accounts and select non-profit organizations only. $50 minimum opening deposit.
Benefits
No minimum balance No monthly service charge Unlimited check writing FREE and unlimited FCB ATM usage First 150 Checks FREE for new customers FREE MasterMoney Debit and ATM Card(s) FREE statement binder and monthly check image statements Overdraft protection available 24hr phone banking

49-ER Gold Club Checking
Minimum Balance	Service Charges	Description
$500 minimum daily balance	No Service Charge if minimum balance is maintained. If the balance falls below the minimum anytime during the statement cycle, there is a $12 monthly service charge*.	Available to consumers age 49 and over or FCB customers with $49,000 or more on deposit. $500 minimum opening deposit
Benefits
Unlimited check writing FREE 49-ER Insignia checks or 50% off any other personal check style Automatically receive higher bonus rates on all regular CD’s and IRA’s Exclusive periodic 49-er gold CD and IRA specials FREE and unlimited FCB ATM usage PLUS Receive ATM rebates up to $1.50 each time you use another bank's ATM* Interest paid on average collected balance of $500 and over FREE MasterMoney Debit and ATM card(s) FREE statement binder and monthly check image statements FREE foreign currency exchange FREE cashiers checks and money orders FREE notary services 25% discount on safe deposit boxes Overdraft protection available 24 hour phone banking service

Additional Information

Interest is compounded and credited monthly. If the account is closed before interest is credited, you will not receive the accrued interest. *In addition to monthly service charge, there is a $1 fee for each NON-FCB ATM withdrawal, when minimum balance is not maintained. *A $500.00 daily balance must be maintained to receive ATM rebates. The maximum rebate is $4.50 (3@$1.50) per month/statement cycle. Customers accounts will be credited on the last business day of each statement cycle. Credits will reflect current month’s ATM activity. Note: ATM rebates do not apply to FCB Totally Free Checking accounts. If the account is closed within 7 months, there is a $15 closing fee.

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