No Monthly Fees   ●  No Minimum Balance    ●   Free ATMs Nationwide*

A unique, no minimum-balance free checking account that rewards you with  a 4.51% Annual Percentage Yield and automatic refunds of ATM fees* for helping the bank operate more efficiently.  Effective as of 8/26/08, balances up to $25,000 earn 4.51% APY and remaining balances greater than $25,000 earn 1.01% APY.

You can open a Rewards Checking account with a minimum deposit of $100.  To qualify for the "Rewards", simply meet the following requirements in each qualification cycle*:

• Use your Visa FirstCheck ATM/Debit Card for 10 purchases per qualification cycle (excluding ATMs)
   
• Have one ACH Direct Deposit or ACH Debit per qualification cycle
   

• Receive your monthly statement electronically via Online Banking rather than a paper statement.

If you do not meet all the requirements during the qualification cycle, you will still enjoy a free checking account with free Online Banking/Bill Pay and .25% APY on your account balance.  However, ATM fees will not be refunded.  Overdraft Privilege is also available with this account.

*The qualification cycle begins one day before the beginning of your statement cycle and ends one day before the end of your statement cycle.  ATM fee refunds are limited to $25 per qualification cycle.

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A packaged account that provides both a checking account and additional services. Benefits include free First Club checks; no activity or per check fees; and waived fees on selected IRAs. Free retirement planning is also available. The monthly FirstCheck ATM/Debit card fee is also waived. Online Banking is available at no charge. A $6 monthly fee is charged, with a minimum opening balance of $100. If you are enrolled in your company’s Direct Deposit payroll plan, or receive a monthly direct deposit payment issued by the government, the $6 monthly fee is waived. First Club members may also qualify for discounted auto loans. Interest is compounded daily and credited to your account on a monthly basis. The interest rate is subject to change at any time. The account also earns interest each day the account balance is over $1,000. Overdraft privilege is available on this account.

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This variable-rate checking account offers the opportunity to earn higher interest on larger deposit balances along with unlimited check writing.  A minimum opening deposit of $2,500 is required.  Interest accrues daily on balances of $2,500 or more with a higher rate on balances of $25,000 or more. A $10 fee is assessed during any statement cycle in which the balance falls below $2,500. The first order of FirstRate checks is free. The monthly fee for the FirstCheck ATM/Debit Card is waived.  Online Banking and Bill Pay are available at no charge. Overdraft privilege is available on this account.

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The account provides an option for those who need to write a limited number of checks each month, while wanting to earn higher interest than a standard checking account. The account has a minimum opening balance of $1,000. A Customer may make six transfers per statement cycle from the account. A maximum of three of the transfers can be made to a third party. An example: you may transfer money from your Personal Money Market account to another of your FNB accounts, or you may draft a transfer to a third party (a merchant, individual, etc.). If more than three checks, drafts, debit card transactions or similar orders are made to a third party during a month, a $5 fee per each transaction is incurred. A service fee of $10 is imposed if the account balance falls below $1,000 at any time during the cycle. Interest is compounded daily and credited to your account on a monthly basis. The interest rate and annual percentage yield are subject to change by FNB at any time. Overdraft privilege is available on this account.

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Checking Plus is an interest bearing personal checking account. Checking Plus has a minimum opening balance of $500, and features no activity fees. Interest is compounded daily, and credited to your account on a monthly basis. The interest rate and annual percentage yield will not change for at least thirty (30) calendar days. FNB will provide you thirty (30) days advance written notice prior to decreasing the rate. If the account balance should fall below $500 for any day of the statement cycle, a $10 service fee is charged. Overdraft privilege is available on this account.

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This account presents a low-cost alternative for those who write a limited number of checks each month. A minimum deposit of $25 is required to open the account. A $1 monthly fee is charged. A Customer may write up to eight checks (or withdrawals) per statement cycle with no activity fee. An activity fee of .25 is charged for each withdrawal in excess of eight during a cycle. Overdraft privilege is available on this account.

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