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FirstBank Personal Account Rates

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Money Market Checking

  • $500 Minimum Balance
  • Unlimited check writing privileges

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The interest rate and APY may change every Wednesday and on the first business day of each month. There is a $7.00 service charge per month when the account balance falls below $500. 55-Plus Checking account customers are exempt from this service charge.

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Premier Checking

  • $2,500 Minimum Balance
  • Unlimited check writing privileges

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The interest rate and APY may change every Wednesday and on the first business day of each month. There is a $15 service charge per month when the account balance falls below $2,500.

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Regular Savings

  • $100 Minimum Balance

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The interest rate and APY may change every Wednesday and on the first business day each month. There is a $5 service charge per quarter when the balance falls below $100. Children under 18 years of age are exempt from the service charge.

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Money Market Savings

  • $1,000 Minimum Balance
  • Limited check writing privileges

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The interest rate and APY may change every Wednesday and on the first business day of each month. There is a $10.00 service charge per month when the balance falls below $1,000.

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Liquid Asset Account

eSave Savings Account

  • Minimum Liquid Asset Balance: $20,000
  • Minimum eSave Savings Balance: $0
  • Limited check writing privileges

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The interest rate may change every Wednesday and on the first business day of each month. For the Liquid Asset Account, there is a $20.00 service charge per month when the account falls below $20,000. The eSave Savings Account has no service charge, and no minimum balance requirement as long as the customer maintains the following: eSave Checking, eSave Savings, Internet Banking, eStatements and Visa Check Card.

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Smart Choice College Savings Plan

FirstBank's 529 College Savings accounts are available in two popular account types, our Money Market Savings account and our 1-Year Time Savings account. Our 529 College Savings account, the Smart Choice College Savings Plan, is FDIC insured, truly making it the "Smart Choice" for your college savings needs.

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Individual Retirement Accounts (IRAs)

Any savings account can be used as an Individual Retirement Account (IRA). Individual Retirement Accounts are exempt from the service charges mentioned for each account and will not have check writing privileges.

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Time Savings Account

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The interest rate and APY may change every Wednesday and on the first business day of each month. Multiple deposits may be made with no minimum deposit required. Additional deposits during the term do not change the maturity of an account. There is a $5.00 service charge per term when the balance falls below $100 on the 91 Day Savings Account. The service charge is $5.00 per quarter when the balance falls below $100 on the One Year Savings Account and on the Two Year Savings Account. Children under 18 years of age are exempt from these service charges.

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Time Deposit Account

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The interest rate is fixed for the term of the account. The interest rate and APY offered for new accounts may change every Wednesday and on the first business day of each month. Minimum deposit is $500. Single deposits only.

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Premier Time Account

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The interest rate is fixed for the term of the account. The interest rate and APY offered for new accounts may change every Wednesday and on the first business day of each month. A minimum balance of $10,000 is required. If the balance of the account falls below $10,000, the rate paid on the account will be the Regular Savings rate. Single deposits only.

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General Information On All Time Accounts

Interest earned can be credited to the account or transferred monthly or quarterly to another FirstBank account, or paid by check if desired. If the customer does not select a specific interest payment option, the interest will be credited to the account quarterly except in all cases of the 91 Day and 182 Day Accounts, which will be paid at maturity. On Time Savings, Time Deposits, and Premier Time accounts, a reminder notice is sent ten days prior to maturity for your convenience. Accounts are automatically renewed at maturity under the terms and rates currently in effect for the type of account renewing, unless the bank is otherwise notified. You may borrow against Time Savings, Time Deposit, and Premier Time accounts at favorable rates. There is a substantial interest penalty for early withdrawal from Time Savings, Time Deposits, and Premier Time accounts.

Fees can reduce the earnings on the account. A penalty will be imposed for early withdrawal. This serves as a general disclosure for all accounts. For current rate information at any time, please call FirstBank's 24-Hour Telephone Banking at 800-964-3444.

 
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