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BASIC CHECKING

The Shield Checking

Enjoy a checking plan with this comprehensive package. A $50.00 minimum deposit is needed to open this account. A monthly service charge applies.

  • ID Protect- Identity Theft Protection
  • No minimum balance requirements
  • No per item check charge
  • Unlimited check writing
  • First order checks free (wallet or duplicate)
  • Free Express Check debit card
  • Free First Line Express
  • Free internet banking
  • Free on-line bill payment
  • Free statement binder
  • Cancelled check images included in monthly statement and through internet banking

If you currently have a Shield Checking account and have not registered your information, you can log on to www.IDProtectMe247.com.

 

Student Checking

A $50.00 minimum deposit is needed to open this account. There is no monthly service charge

  • No minimum balance requirements
  • No per item check charge
  • Unlimited check writing
  • First order checks free (wallet or duplicate)
  • Free Express Eheck debit card
  • Free First Line Express
  • Free internet banking
  • Free on-line bill payment
  • Free statement binder
  • Cancelled check images included in monthly statement and through internet banking

BENEFITS BANKING

Kasasa Cash®

 

A variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle. A $50.00 minimum deposit is needed to open this account. Interest and ATM Fee reimbursements will be credited to the account on the last day of the current Statement Cycle. Please check the rates tab on the home page.


 

 

To qualify for Kasasa Cash® rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:


  • Have at least 10 PIN-based or signature-based debit card purchases post and settle (POS purchases do apply, ATM transactions do NOT apply)
  • Have at least 1 direct deposit / ACH (debit or credit), or Bill Pay transaction post and settle
  • Be enrolled in and agree to receive e-Statements

**Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions.

 

 

Benefits:

  • No minimum balance requirements
  • No monthly maintenance fee
  • No per check charge
  • Unlimited check writing
  • Free Express Check Debit card
  • Free First Line Express access
  • Free internet banking
  • Free on-line bill payment
  • Free statement binder
  • Cancelled check images included in monthly statement through internet banking

 

Kasasa Cash Back®

 

A variable rewards checking account with no minimum balance that rewards accountholders with cash back on their PIN-based, signature based debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle. A $50.00 minimum deposit is needed to open this account. Cash back payments and ATM refunds will be credited to the account on the last day of the current Statement Cycle. No minimum balance is required to earn or to receive the account’s rewards. Please check the rates tab on the home page.


 

 

To qualify for Kasasa Cash Back® rewards and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:

  • Have at least 10 PIN-based or signature-based debit card purchases post and settle (POS purchases do apply, ATM transactions do NOT apply)
  • Have at least 1 direct deposit / ACH (debit or credit), or Bill Pay transaction post and settle
  • Be enrolled in and agree to receive e-Statements

**Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions.


Benefits:

  • No minimum balance requirements
  • No monthly maintenance fee
  • No per check charge
  • Unlimited check writing
  • Free Express Check debit card
  • Free First Line Express access
  • Free internet banking
  • Free on-line bill payment
  • Free statement binder
  • Cancelled check images included in monthly statement through internet banking

 

Kasasa Cash Back with Saver®

 

Kasasa Cash Back® - a variable rewards checking account with no minimum balance that rewards accountholders with cash back on their PIN-based, signature based debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle. A $50.00 minimum deposit is needed to open this account. Cash back payments and ATM refunds will be credited to the account on the last day of the current Statement Cycle. No minimum balance is required to earn or to receive the account’s rewards. Please check the rates tab on the home page.


 

 

Kasasa Saver® - a variable rate savings account with no minimum balance that rewards accountholders with interest when they meet the minimum qualifications associated with their linked Kasasa Cash Back® checking account during each Monthly Qualification Cycle. A $50.00 minimum deposit is needed to open this account.


 

 

The number of transfers from Kasasa Saver® to another account in your name or withdrawals that you make in-person, by mail or at an ATM is unlimited. Also, withdrawals made by telephone via check mailed to you and transfers into Kasasa Saver® are unlimited. During each Statement Cycle, you may also make up to six (6) transfers or withdrawals in the aggregate including transfers or withdrawals to another account in your name at First Choice Bank or to a third party via pre-authorized transfers or withdrawals, telephone banking (including fax) and online banking service. Included in the aggregate six (6) transfers or withdrawals are transfers to a third party, if made by check, or at point of sale terminals using your ATM or debit card. There is a withdrawal / service charge for each subsequent debit over six (6) per monthly statement cycle.


 

 

 

Interest, cash back and ATM fee reimbursements will be credited to your Kasasa Saver® on the last day of the current Statement Cycle. No minimum balance is required to earn or to receive the account’s rewards. Please check the rates tab on the home page.


 

To qualify for Kasasa Cash Back® and Kasasa Saver® rewards and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:


  • Have at least 10 PIN-based or signature-based debit card purchases post and settle (POS purchases do apply, ATM transactions do NOT apply)
  • Have at least 1 direct deposit / ACH (debit or credit), or Bill Pay transaction post and settle
  • Be enrolled in and agree to receive e-Statements

**Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions.

 

 

Benefits:

  • No minimum balance requirements
  • No monthly maintenance fee
  • No per check charge with the Kasasa Cash Back®
  • Unlimited check writing with the Kasasa Cash Back®
  • Free Express Check debit card
  • Free First Line Express access
  • Free internet banking
  • Free on-line bill payment
  • Free statement binder
  • Cancelled check images included in monthly statement through internet banking

 

Elite Club Checking

Enjoy a basic checking plan with added extras and insurance benefits with this comprehensive package. A $50.00 deposit is needed to open this account. A monthly insurance fee will be charged on this account.


 

Benefits:

  • No charge for personalized wallet-style or duplicate checks
  • No minimum balance requirements
  • No fee for Official Checks
  • Free online bill pay
  • Notary service at no charge
  • Free Express Check debit card
  • Free First Line Express access
  • Free internet banking
  • Cancelled check images included in monthly statement and through internet banking

Additional Benefits

  • $5,000 Accidental Death & Dismemberment Insurance
  • $5,000 Identity Fraud Expense Reimbursement Coverage
  • $20,000 Common Carrier Coverage
  • Credit Card Registration
  • Key Tag Return
  • Entertainment-Savers Guide
  • Rental Car Discounts
  • Cash Back Member Rewards
  • Emergency Medial ID
  • Prescription Drug Plan
  • EyeCare and EyeWear

For more information on the additional benefits, please contact the Benefits Service Center at www.eclubonline.net or call 1-866-210-0361.

 

1st Plus Checking

A deposit of $50.00 is needed to open this account. Please check the rates tab on the home page or call First Line Express for current rates for your 1st Plus Checking account.

  • This account requires a minimum balance of $500.00 to earn interest
  • Monthly service charge if your daily balance falls below $500.00 any day of the monthly statement cycle
  • There is no monthly statement cycle fee regardless of balance for two or less debits from your account per monthly statement cycle
  • Free Express Check debit card
  • Free First Line Express access
  • Free internet banking
  • Free on line bill payments
  • No per item check charge
  • Free statement binder
  • Unlimited check writing
  • Cancelled check images included in monthly statement and through internet banking

 

 

First Choice 62

Customers age 62 and older will welcome this interest bearing checking account. A deposit of $50.00 is needed to open this account. This account requires a minimum balance of $1,000 to earn interest.

 

  • First order of personalized, wallet or duplicate style checks at no charge
  • No monthly statement cycle fee
  • Notary service at no charge
  • No fee for Official Checks
  • Free Express Check debit card
  • Free First Line Express
  • Free internet banking
  • Free on -line bill payment
  • No per item check charge
  • Unlimited check writing
  • Cancelled check images included in monthly statement and through internet banking

Please check the rates tab on the home page or call First Line Express for current interest rates for your First Choice 62 account.

 

 

Money Market/First Fund Account

This investment account earns interest at the prevailing rate, subject to change weekly. Interest will be accrued daily and compounded monthly. If the daily balance falls below $2,500 during a statement cycle, your account will be assessed a fee. A maximum of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transaction, computer transfer, or by check, draft, debit card, or similar debits to this account are allowed per statement cycle. There is a withdrawal / service charge for each subsequent debit above six (6). This account allows for unlimited in-house withdrawals.


 


 


 

Please check the rates tab on the home page or call First Line Express for current interest rates for your Money Market / First Fund account.

 

  • Free Express Check debit card
  • Free First Line Express
  • Free internet banking
  • Free on-line billpay
  • Free statement binder
  • Cancelled check images included in monthly statement and through internet banking

 

 


 


 

1st Premier Money Market

This investment account earns interest at the prevailing rate, subject to change weekly. A $10,000 deposit is required to open this account. Interest will be accrued daily and compounded monthly. This account follows a tiered structure. If the balance falls below $10,000 during a monthly statement cycle, no interest will be earned that day. If the daily balance falls below $5,000 during a monthly statement cycle, your account will be assessed a fee. A maximum of six (6) withdrawals or transfers to another account of your or to third party by means of a preauthorized or automatic transfer or telephone transaction, computer transfer, or by check, draft, debit card, or similar debits to this account are allowed per statement cycle. There is a withdrawal / service charge for each subsequent debit above six (6). This account allows for unlimited in-house withdrawals.


 

 

 

 

 

Please check the rates tab on the home page or call First Line Express for current interest rates for your 1st Premier Money Market account.

 

Elite Plus Package:

We now offer an Elite Plus package that can be added to your checking account for a low monthly Elite Plus Package fee. This package includes the following:

 

  •  $5,000 Accidental Death and Dismemberment Insurance
  •  $20,000 Common Carrier Coverage
  •  $5,000 Identity Fraud Expense Reimbursement Coverage
  •  Credit Card Registration
  •  Key Tag
  •  Entertainment SaversGuide
  •  Rental Car Discounts
  •  Cash Back Member Rewards
  •  Emergency Medical ID
  •  Prescription Drug Plan
  •  EyeCare ad EyeWear

COMMERCIAL CHECKING

Non Profit Business Checking

 

  • A deposit of $50.00 is needed to open this account
  • Easily accessible electronic monthly statement required1
  • Online banking with on-line bill pay
  • Only pay for what you use – the first 50 debits or deposited items are free and no service charge will be assessed – each additional debit or deposited item is $0.35 per item2
  • Service charges will be waived on Church accounts

 

Small Business Checking:

 

  • A deposit of $50.00 is needed to open this account
  • Easily accessible electronic monthly statement required1
  • Online banking with on-line bill pay
  • Business debit cards3
  • Monthly Service Charge waived with a $100.00 minimum balance throughout the statement cycle or less than 3 debits post to your account throughout the statement cycle. Otherwise, $10.00 per month2
  • 500 free debits or deposited items per month – each additional debit or deposited item is $0.25 per item2

 

Interest Commercial Checking:

 

  • A deposit of $100.00 is needed to open this account
  • Earn interest at a variable rate – we will use the daily balance method to calculate the interest on your account. Call our New Accounts Representative for details.
  • Image check statement
  • Business debit cards3
  • Only $15.00 per month service charge
  • A $5.00 monthly credit will apply towards the monthly service charge by enrolling in electronic monthly statements1
  • 500 free debits or deposited items per month – each additional debit or deposited item is $0.10 per item2
  • If the average statement ledger balance of this Interest Commercial Checking account combined with other primary deposits (accounts that are in the same name and tax id number) equal or exceed $50,000.00, NO Service Charge will be applied.

 

1This requires an e-mail address and Adobe software, which you can download for free from www.adobe.com.


2Debits include: checks, withdrawals, transfers, and ACH debits. Deposited items are any checks deposited to your account.


3Debit cards are subject to approval.



© First Choice Bank 2004