Hey! Our Accounts Are Getting a Makeover!

by | Jul 6, 2020

NOTE: This news article is an archived post that was posted on the date above. The information contained in this post was applicable for that date only. Some of the information below may have expired.

They’re here, they’re new, and they’re better than ever! At First Bank, we’ve decided to simplify and revamp our accounts for our valued customers! If you are an existing member of the “Bank About Town” family, please be aware that these changes will take place on August 1, 2020. To read more details for each account, please click the blue arrow in the right side of each box to uncollapse it. You can also collapse the box again by clicking that same arrow. If you have any questions for us, please don’t hesitate to call your local branch (click here for all of our contact information). Thank you for continuing to support us and here’s to “a better way to bank!”

PERSONAL ACCOUNTS
Club Checking

This account is a conversion from our former First Advantage Checking & Hometown Heroes Checking accounts.

Monthly Service Fee

$7.00

Service Charge Fees

N/A

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. $5,000 AD&D Insurance(1)
9. Travel Assistance & VIP Concierge
2. 3-In-1 Credit File Monitoring
10. Up to $400 Cellular Telephone Protection
3. Every 90 Days New Credit Report & Score
11. First Order of Club Checks at No Charge
4. Up to $5,000 ID Theft Expense Reimbursement
12. Discount on Safe Deposit Box Rental
5. $500 Grocery Coupon Book
13. Free Debit Card with Card Freeze(3)(4)
6. Prescription Drug Plan
14. Card Verifi Fraud Protection
7. Cash Back Member Rewards
15. Mobile Banking & On the Go Deposits(4)
8. Travel & Entertainment Discounts
16. Online Banking with Bill Pay(4)

1. $5,000 AD&D Insurance(1)(7)

2. 3-In-1 Credit File Monitoring(7)

3. Every 90 Days New Credit Report & Score(7)

4. Up to $5,000 ID Theft Expense Reimbursement(7)

5. $500 Grocery Coupon Book(7)

6. Prescription Drug Plan(7)

7. Cash Back Member Rewards(7)

8. Travel & Entertainment Discounts(7)

9. Travel Assistance & VIP Concierge(7)

10. Up to $400 Cellular Telephone Protection(7)

11. First Order of Club Checks at No Charge

12. Discount on Safe Deposit Box Rental

13. Free Debit Card with Card Freeze(3)(4)

14. Card Verifi Fraud Protection

15. Mobile Banking & On the Go Deposits(4)

16. Online Banking with Bill Pay(4)

Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

No changes

Footnotes:

(1)Insurance products are not insured by the FDIC, any other agency, or the bank. Refer to the actual insurance policies for complete details of coverage and exclusions.

(3)All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

Interest Checking

This account is a conversion from our former First Investment & Prestige Private Banking Checking accounts.

Monthly Service Fee

$10.00

Service Charge Fees

A Service Charge of $10 will be imposed every month if the daily balance on any day of the statement cycle falls below $1,000

Interest Rate Information

Call us at 800-918-2856 for current interest rates.

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Free Debit Card with Card Freeze (3)(4)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)
4. On the Go Deposits (4)
5. Online Banking with Bill Pay (4)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

No changes

Footnotes:

(3)All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

Simple Checking

This account is a conversion from our former Regular Personal Checking, eBanking Checking, Direct Deposit Checking, Free Checking, Smart Start Checking & Employee Checking accounts.

Monthly Service Fee

$6.00

Service Charge Fees

A Service Charge of $6 will be imposed every month if the daily balance on any day of the statement cycle falls below $500

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Free Debit Card with Card Freeze (3)(4)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)
4. On the Go Deposits (4)
5. Online Banking with Bill Pay (4)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

No changes

Footnotes:

(3)All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

Student Checking

This account is a conversion from our former Millennial Checking account.

Monthly Service Fee

Free

Service Charge Fees

N/A

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Complimentary Cell Phone Protection
2. Waived Foreign ATM fees
3. Free Debit Card with Card Freeze (3)(4)
4. Card Verifi Fraud Protection
5. Mobile Banking (4)

6.
On the Go Deposits (4)

7.
Online Banking with Bill Pay (4)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

No changes

Footnotes:

(3)All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

Life Checking

This account is a conversion from our former Priority Checking account.

Monthly Service Fee

Free

Service Charge Fees

N/A

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Free Debit Card with Card Freeze (3)(4)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)

4.
On the Go Deposits (4)

5.
Online Banking with Bill Pay (4)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

No changes

Footnotes:

(3)All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

Savings

This account is a conversion from our former Regular Savings, Golden & Regular – Minor Savings, Regular Savings – Emergency Relief, Regular Savings – Employee, Golden Savings, & Little Critter Savings accounts.

Monthly Service Fee

$3.00

Service Charge Fees

A Service Charge of $3 will be imposed every month if the daily balance on any day of the statement cycle falls below $100

Interest Rate Information

Call us at 800-918-2856 for current interest rates.

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Mobile Banking (4)
2. On the Go Deposits (4)
3. Online Banking (4)

Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

A $5.00 Excessive Withdrawal Fee will be charged on all debits and withdrawals in excess of five (5) per month.

Footnotes:

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

Money Market

This account is a conversion from our former First Asset, First Rate, & Prestige Money Market accounts.

Monthly Service Fee

$15.00

Service Charge Fees

A Service Charge of $15 will be imposed every month if the daily balance on any day of the statement cycle falls below $5,000

Interest Rate Information

Call us at 800-918-2856 for current interest rates.

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Mobile Banking (4)
2. On the Go Deposits (4)
3. Online Banking (4)

Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

A $5.00 Excessive Withdrawal Fee will be charged on all debits and withdrawals in excess of five (5) per month.

Footnotes:

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

All Personal Account Footnotes

(1)Insurance products are not insured by the FDIC, any other agency, or the bank. Refer to the actual insurance policies for complete details of coverage and exclusions.

(2)Interest will be compounded monthly and will be credited to the account monthly. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. At our discretion, we may change the interest rate on your account at any time. The interest rate in each tier will be paid on the entire balance in your account.

(3)All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(4)For any mobile banking service, standard data rates from your mobile provider may apply.

(5)Student Checking is offered to accountholders below the age of 25; however, at least one accountholder on the account must be 18 years old. In the month following the date the accountholder reaches age 25, the account will be automatically converted to a Simple Checking.

(6)Life Checking is offered when any accountholder on the account is age 62 or older.

For all accounts, a Dormant Account Fee of $10 per month after one year of inactivity.

NON-PERSONAL ACCOUNTS
Small Business Checking

Monthly Service Fee

$8.00

Service Charge Fees

A Service Charge of $8 will be imposed every month if the daily balance on any day of the statement cycle falls below $1,000

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Free Debit Card with Card Freeze for Signers (4)(5)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)(5)
4. Free Basic Online Banking(5)(6)

Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

400 transaction items per monthly statement cycle.(1)

Footnotes

(1) Transaction items include all debits, all credits, and all checks deposited. Accounts that exceed the allowed monthly transactional limit more than 3 times in a 12 month period will be converted to Corporate Checking.

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Corporate Checking

This account is a conversion from our former Commercial Checking account.

Monthly Service Fee

$25.00

Service Charge Fees

A Service Charge of $25 will be imposed every month if the daily balance on any day of the statement cycle falls below $25,000

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Free Debit Card with Card Freeze for Signers (4)(5)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)(5)
4. Free Basic Online Banking (5)(6)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

Unlimited

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Business Money Market

This account is a conversion from our former First Asset Money Market & Prestige Money Market accounts.

Monthly Service Fee

$15.00

Service Charge Fees

A Service Charge of $15 will be imposed every month if the daily balance on any day of the statement cycle falls below $5,000

Interest Rate Information

Call us at 800-918-2856 for current interest rates.

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Mobile Banking (4)
2. Free Basic Online Banking (5)(6)

 

Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

A $5.00 Excessive Withdrawal Fee will be charged on all debits and withdrawals in excess of five (5) per month.

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Interest Checking

This account is a conversion from our former First Investment Non-Personal & Prestige Non-Personal Checking accounts.

Monthly Service Fee

$10.00

Service Charge Fees

A Service Charge of $10 will be imposed every month if the daily balance on any day of the statement cycle falls below $1,000

Interest Rate Information

Call us at 800-918-2856 for current interest rates.

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Free Debit Card with Card Freeze for Signers (4)(5)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)(5)
4. Free Basic Online Banking (5)(6)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

Unlimited

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Non-Profit Checking

This account is a conversion from our former Church Account Checking & Non-Profit Checking, and Non-Personal Regular Checking accounts.

Monthly Service Fee

$0.00

Service Charge Fees

N/A

Interest Rate Information

N/A

Account Features

1. Free Debit Card with Card Freeze for Signers (4)(5)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)(5)
4. Free Basic Online Banking (5)(6)

Statement Fee

N/A

Transaction Limitation

Unlimited

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

IOLTA

Monthly Service Fee

$0.00

Service Charge Fees

N/A

Interest Rate Information

Call us at 800-918-2856 for current interest rates.

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Mobile Banking (4)
2. Free Basic Online Banking (5)(6)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

Unlimited

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Lottery Account

 

Monthly Service Fee

$25.00

Service Charge Fees

N/A

Interest Rate Information

N/A

Account Features

*To read the specific disclaimers for each feature, take a look at the number in parenthesis at the end and find the corresponding number under the disclaimer list box. Thank you!

1. Mobile Banking (4)
2. Free Basic Online Banking (5)(6)
Statement Fee

Free Electronic Statements or $3 Paper Statement Fee (added to Monthly Service Charge)

Transaction Limitation

Unlimited

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Cash Intensive Checking(4)

Includes accounts owned by Money Service Businesses, Check Cashing Businesses & Privately Owned ATMs

Monthly Service Fee

$100.00

Service Charge Fees

N/A

Interest Rate Information

N/A

Account Features

1. Free Debit Card with Card Freeze for Signers (4)(5)
2. Card Verifi Fraud Protection
3. Mobile Banking (4)(5)
4. Free Basic Online Banking (5)(6)

Statement Fee

Free Electronic Statements or $3 Paper Statement Fee added to Monthly Service Charge

Transaction Limitation

Unlimited

Footnotes

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

Public Funds Checking
For Interest Rate, Terms, Requirements, and Fees – Please refer to the bid for the public entity.
Public Funds Money Market
For Interest Rate, Terms, Requirements, and Fees – Please refer to the bid for the public entity.
All Non-Personal Account Footnotes

(1) Transaction items include all debits, all credits, and all checks deposited. Accounts that exceed the allowed monthly transactional limit more than 3 times in a 12 month period will be converted to Corporate Checking.

(2) Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. At our discretion, we may change the interest rate and/or rate tiers on your account at any time.

(3) ATM Accounts require additional Surcharge & Settlement Accounts. Please consult BSA Dept for fees and requirements.

(4) All accounts come with a Free MasterCard Debit Card, subject to approval. Lost or damaged cards may result in a $5 Debit Card Replacement Fee or $40 Expedited Debit Card Replacement Fee

(5) For any mobile banking service, standard data rates from your mobile provider may apply.

(6) Additional users and additional services may result in additional fees.

For all accounts, a Dormant Account Fee of $10 per month will be charged after one year of inactivity.

Cash Handling fees may also apply.

For all accounts, please refer to our updated Fee Schedule dated 2/10/20. If you would like a copy, please contact us at 601-684-2231.

the end.

Thank you for reading. It has been our pleasure serving you!