First National Bank and Trust of Rochelle

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	Minimum Opening Deposits	Minimum Balance to Avoid Monthly Maintenance Fee	Monthly Service Charge if Below Minimum	Check Writing	ATM Fees	Additional Features and Benefits
Checking account
eFirstchecking	$100.00	None	None	Yes	No charge at FNB ATM’s	EARN REWARD RATES AND ATM REFUNDS more info
Free Checking	$50	None	No service charge	Yes	No charge at FNB ATM’s	Cancelled checks held in safekeeping
First Classic Checking	$100.00	$500.00	$5.00 if below $500.00 daily balance	Yes	No charge at FNB ATM’s	Images are sent with statement
First Rate Checking	$100.00	$1,000	$9.00 monthly statement cycle fee if balance in your account falls below $1,000	Yes	No charge at FNB ATM’s	Interest bearing account, images are sent with statement
First Advantage Checking	$100.00	None	$7.00 monthly statement cycle fee includes free checks & official checks	Yes	No charge at FNB ATM’s	Free checks & official checks; discounts available on service-insurance benefits
First Advantage VIA	$100.00	None	$5.00 monthly statement cycle fee includes free checks & official checks	Yes	No charge at FNB ATM’s	Free Checks & official checks; discounts available on service-insurance benefits, travel benefits, 1/2 off small safe deposit box
VIA Club Checking	$100.00	$2,500.00	$8.00 monthly fee if the daily balance falls below $2,500.00	Yes	No charge at FNB ATM’s	Travel Benefits. Free checks & official checks’ 1/2 off small safe deposit box
Savings & Investment Accounts
Personal Savings	$100.00	$100.00 daily balance	$4.00 quarterly service charge if the balance in the account falls below $100.00 any day of the quarter, $1.00 withdrawal after 6 per quarter	No	Available with a checking account	Interest compounded and paid quarterly
Personal & Investment Savings	None	None	No Service Charge. A $25.00 transfer is required for deposit each month	N/A	N/A	Rate tied to a one year CD higher interest rate than savings
Kids First Savings	None	None	No maintenance, but $1.00 per withdrawal in excess of 6 per quarter	N/A	N/A	Teaches kids the benefit of saving Prize awarded after 12 deposits
Teens First Savings	None	None	No maintenance, but $1.00 per withdrawal in excess of 6 per quarter	N/A	N/A
Christmas Vacation Club	None	None	No maintenance fee	N/A	N/A	Higher interest rate; money available at time of vacation & Christmas
Personal Money Market	$1,000.00	$1,000.00	$10.00 monthly statement cycle fee will be imposed if balance falls below $1,000.00	3 checks per month	Available with checking account	Check writing ability Higher interest rate
Money Market and Extra Account (MMAX)	$1,000.00	$10,000.00	$12.50 Monthly statement cycle fee will be imposed if balance falls below $10,000.00	3 checks per month	Available with checking account	Check writing ability Higher interest rate
IRA/Qualified Retirement Plan Money Market	$100.00			N/A	N/A	Lower minimum balance than regular CD

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