SAVINGS ACCOUNTS

Whether you are just starting to save, or simply want to earn interest on easy-access funds, FirstBank has just the account for you.

• Minimum Opening Balance – $100.
• Unlimited Access – You can make savings account withdrawals at any FirstBank office anytime. You can also make withdrawals and transfer funds through our FirstACCESS ATMs or any ATM displaying the MONEYBELT, Pulse, Cirrus, Plus, VISA or MasterCard logos. There are no transaction fees for using ATMs located at FirstBank offices or drive-thru branches. There may be a fee for using other FirstBank ATMs not located at a FirstBank office or branch (see Fees page).
• Interest Earnings – Calculated on the daily collected balance and credited quarterly. APY/Interest & rates may reprice with market.
• Withdrawals – Six allowed per quarter at no charge (see Fees page).
• Account Statements – Mailed semi-annually unless an electronic transfer has occurred, then a monthly statement will be mailed.
• Fees – No charge on balances of $100 and above (see Fees page).

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CERTIFICATES OF DEPOSIT

If you want a guaranteed interest rate, you may want to look into a FirstBank CD. You can choose among our CDs ranging from 31 days to 36 months. Contact any FirstBank office for detailed information on current and special CD rates.

• Minimum Investment – $500.
• Interest Rates – Vary according to investment amount and term; rates subject to change weekly, but are fixed during the term of the CD.
• Access to Interest Earnings – Receive your interest by check ... monthly, quarterly, semi-annually or annually, as well as by direct deposit into your FirstBank checking or savings account.
• Renewal – Your CD will be automatically renewed unless you request otherwise.
• Withdrawals – A penalty may be imposed for early withdrawals (see Fees page).

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MONEY MARKET ACCOUNTS

If you want to earn a premium rate of return, yet have complete access to your money, take advantage of this interest-bearing account.

• Opening Deposit – $2,500 minimum for Money Market and $5,000 for Money Market Plus Accounts.
• Interest Earnings – Interest earned on total collected account balance and credited monthly; the Money Market Plus is a tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with market.
• Access to Funds – You can withdraw your money at any FirstBank office anytime. With your Money Market Account, you can make withdrawals anytime at a FirstACCESS ATM, or at any ATM displaying the MONEYBELT, Cirrus, Plus, Pulse, Discover, VISA or MasterCard logo.
• Withdrawals – Six allowed per month at no charge (see Fees page).
• Fees – There is a monthly charge for balances falling below $2,500 for Money Market Accounts and $5,000 for Money Market Plus Accounts (see Fees page).
• Account Statements – Detailed monthly statements help you quickly reconcile your account balance.

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INDIVIDUAL RETIREMENT ACCOUNTS

Planning for retirement is one of the most important steps you can take toward securing your future.
Let FirstBank help you establish an IRA, a Roth IRA or an Education IRA. Your contributions could lower your current tax bill. Plus, you may be able to capture greater earnings than with a non-retirement account (consult a qualified financial adviser for specific tax details).

• Opening Deposit – $100.
• Interest Earnings – Interest earnings are posted to your account quarterly. APY/Interest & rates may reprice with market.
• Withdrawals – The IRS may impose a penalty for early withdrawals based on your tax status.
• Account Statements – Mailed annually.

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