FSNB Account Agreement and Deposit Account Information | Fees

1FSNB Account Agreement and Deposit Account Information Account Description & Monthly Maintenance Fees MinimumtoOpen Account Online Account FeaturesRequirements & Fees E-Advanced$25 Early Access DirectDeposit,VisaCheckCard,5-StarOnline Banking withMobile Deposit, Eligible for Savings Round Up* A 9.95 maintenance fee will be imposed every monthly cycle. This is a non-interest bearing account. No paper checks Itemized paper statement fee of $5 per statement cycle. No paper statement fee if signed up for e-statements. (1) (2) E-Standard$25VisaCheckCard, Basic+Online Banking with Mobile Deposit&Card Control, Eligible for Savings Round Up*$7.95 monthly maintenance fee. This fee is waived in a monthly cycle if there is a direct deposit during that monthly cycle OR the daily balance does not fall below $100, on any day of the monthly cycle. Itemized paper statement fee of $5 per statement cycle. No fee if signed up for e-statements. This is a non-interest bearing account. No paper checks (1) (2) Savings (3)$25Interest BearingA minimum balance fee of $6.50 will be imposed for every quarterly cycle if the daily balance falls below $100, on any day of the cycle. If your minimum daily balance does not fall below $500, there are no limitations on the number of withdrawals you make from the account. If your minimum daily balance falls below $500 during the cycle (quarterly or monthly for uni-statements) you may make three (one for uni-statements) free withdrawals during the cycle. Thereafter, a charge of $1.50 will be made for each additional withdrawal during that cycle. Itemized paper statement fee of $2 per statement cycle. No fee if signed up for e-statements. (2) (1)Checks. Paper checks written by you or others on the account will not be paid. Do not buy checks from any source, such as checks you see advertised on the internet or in the newspaper or any other third parties. If a check is presented for payment, it will not be paid even if you have funds available in your account to cover it. You may incur fees from the party you were trying to pay when the check is returned. If a merchant uses your account and routing numbers to process a payment as a check, it will be rejected. Please visit one of our branches to open a traditional checking account that allows check writing. (2)A $5.00 monthly fee will be charged if the account remains inactive for 3 months; and, a $15 inactivity fee will be charged for each quarterly cycle that a savings account remains inactive for 3 months. (3)Interest Bearing Accounts - General Rules: Variable Rates: All interest-bearing accounts shown are variable rate accounts which means the interest rate and annual percentage yield (APY) may change daily, without limitation, at our discretion. Compounding and Crediting Interest: We compound and credit interest earned at the end of each monthly cycle. (Quarterly cycle for savings accounts) Balance for Interest: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rat to the principal in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day you deposit non- cash items (for example, checks). See the Online Saving Rate Sheet document for more information.