Banking Solutions

Checking

FREE Checking

:: No minimum balance 
:: No monthly service fee
:: Unlimited check writing
:: FREE online banking
:: FREE First For You Telebank

:: ORDER CHECKS ::

Regular Checking

:: Minimum balance $500.00
:: Balance at least $400.00 but below $500.00=$2.00 fee (plus tax)
:: Balance at least $300.00 but below $400.00=$3.00 fee (plus tax)
:: Balance at least $200.00 but below $300.00=$4.00 fee (plus tax)
:: Balance falls below $200.00=$5.00 fee (plus tax)
:: 25 debits (excluding ATM) allowed then $.20 per debit thereafter (debit limit and fees do not apply if $500 balance is maintained)
:: Fees do not apply if you are a student through age 22, a senior citizen (age 62 or older), or a Common Sense Banclub Member.
:: FREE online banking
:: FREE First For You Telebank

:: ORDER CHECKS ::


NOW Checking

:: Minimum balance $600.00
:: Falls below $600.00=$5.00 fee (plus tax)
:: Must maintain $600.00 balance to earn .40% APY*
:: 25 debits (excluding ATM) allowed then $.20 per debit thereafter (debit limit and fees do not apply if $600 balance is maintained)
:: FREE online banking
:: FREE First For You Telebank
Note: Fees may reduce earnings

:: ORDER CHECKS ::


First Investors Account

:: Minimum balance $2500.00
:: Falls below $2500.00=$5.00 fee (plus tax)
:: Must maintain $2500.00 balance to earn .55% APY*
:: If falls below $2500.00 but at least $600.00 you will earn the NOW Account interest rate (.40% APY*) on those days.
:: Free Personalized Check Orders (2 orders annually)
:: FREE Notary Service
:: Travelers Checks, Money Orders, and Cashiers Checks at no charge.
:: Discount on Safety Deposit Box                                              
:: Discount on Bank Sponsored Trips  
:: Discount on Photocopies
:: FREE online banking
:: FREE First For You Telebank
Note: Fees may reduce earnings

:: ORDER CHECKS ::


Student Account

:: Eligible for student through age 22
:: Features are like our Regular Checking, only the maintenance fees are waived.                                                                                           :: :: FREE online banking
:: FREE First For You Telebank

:: ORDER CHECKS ::


Common Sense Banking with BanClub

:: Can be attached to any of the above accounts.
:: Maintenance fee of $7.00 a month (plus tax) for Basic Plan
:: $8.00 (plus tax) for Personal Plan
:: $9.00 (plus tax) for Family Plan
:: Free Personalized Check Orders (2 orders annually)
:: Travelers Checks, Money Orders, and Cashiers Checks at no charge.
:: Key Ring Protection
:: Credit Card Protection
:: Discount on Safety Deposit Box ($3.00)
:: Discount on Bank Sponsored Trips                                               
:: FREE online banking
:: FREE First For You Telebank


First - Senior's Club

:: Can be attached to any of the above accounts.
:: Senior Citizen age 62 or older
:: No Service Charge
:: Unlimited check writing
:: Free Personalized checks (2 orders per year)
:: Travelers Checks, Money Orders, and Cashiers Checks at no charge.
:: Discount on Safety Deposit Box ($4.00)
:: Discount on Bank Sponsored Trips                                                  
:: FREE online banking
:: FREE First For You Telebank

*APY = Annual Percentage Yield
Effective date of APYs quoted: April 22, 2008
APYs subject to change after account opening.