First Farmers State Bank

Account Name

Checking Account Features

Basic Checking

· Free Basic Checking w/ Free Internet Banking, Bill Pay and Free ATM/First Check Visa Card:

w/  Direct Deposit

w/ Student Account

w/ E-Statements

w/ Truncated Checks

· Free Basic Checking:

Age 60 or better

Balances of $500+

· No minimum required to open the account

Getting Started

First Club

· A checking account with “Club Privileges”

· Free personalized Club checks

· Free Internet Banking, Bill Pay and ATM/First Check Visa Card

· Unlimited check writing

· Fees waived for:

Cashiers checks

License stickers

· 10% Discount on Safe Deposit Box Rental

· Accidental death and dismemberment insurance coverage

· Travel and recreational discounts

· No minimum required to open the account

· No minimum balance required

· Membership fee of $9-$11 per month

Getting started

Magic Checking

· Watch your money grow and your fees disappear!

· Watch your balance magically grow while you do nothing. Contact bank for current interest rate and disclosure information.

· ATM Fees – now you see them, now you don’t! Receive a lump sum of ATM fees up to $10 that accrued by using other banks’ ATM’s.

· Free checking

· Free First Check Visa Card

· Free Online Banking

· Free Bill Pay – pay your bills magically online without writing a check!

· No minimum balance to open or maintain

· Requirements are:

-10+ First Check Visa Card signature based transactions

-Monthly Direct Deposit

-3 Online Banking Bill payments or ACH debits per month

-Receive e-statement

Getting started

Interest

Checking

· Earn interest at a compounded monthly rate

· Unlimited check writing

· Free checking with balances of $1500+

Getting started

Hi Yield Interest Checking

· Earn yields higher than most competing money market products and still get the service and convenience of a checking account

· High variable rate of interest with unlimited check writing

· Meets personal cash management needs without complicated requirements or multiple accounts.

· Free Internet Banking, Bill Pay and ATM/First Check Visa Card

· Free imaged statement

· Free 24 hour telephone banking

· Free direct deposit and direct payments (let us help you set these up)

· Only $5000 minimum to open

Getting started

Advantage

Checking

· Free Internet Banking, Bill Pay and ATM/First Check Visa Card

· Free account with combined daily balances of $30,000 or more in deposit and loan accounts.

· Only $1500 minimum to open

Getting started

Golden Growers Checking

· Club privileges for customers age 55+

· Free Internet Banking, Bill Pay and ATM/First Check Visa Check Card

· Unlimited check writing

· Free Golden Grower checks

· 25% discount on safe deposit box rental

· Free fax service

· Free photocopying for medical or legal documents

· Fees waived for Cashier’s checks and Traveler’s checks

Getting started