• Earn interest with balance of $1,000

• Unlimited transactions

• No monthly fee when minimum balance of $750 is maintained

• $8 monthly fee with balances less than $750

• Free Image statements

• Free ATM card

• Free Foreign ATM transactions*
• Free CheckFirst debit card

• Free PhoneFirst telephone banking

• Free NetTeller online banking

• Free Bill-Pay

• Bounce Protection® available

• $100 minimum to open the account

*Bank that owns ATM may charge a fee.

The interest rate and annual percentage yield will depend upon the daily balance in the account as shown in the Personal Checking Accounts pages under the heading "Rates". At our discretion, the interest rate and annual percentage yield may change daily on the account. Interest begins to accrue on the business day you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Fees and charges may reduce earnings on accounts.