Personal Banking Products and Services

Premier Account – FirstClass Plus

Do you prefer a high-yield checking account? Consolidate your banking with our premier checking plan. You’ll receive:

• Interest on all checking balances
• Free Internet Banking
• Free Internet Bill Pay
• No annual fee VISA^® Debit Card
• Free STAR^sm 24-hour banking transactions*
• Up to $3 refund of surcharge available when using a non-Firstrust Bank ATM
• Free personalized Specialty Checks with unlimited check writing
• Bonus rates on CDs **
• No annual fee for Line of Credit (for qualified applicants)
• Direct deposit available
• Overdraft protection available
• One waived non-sufficient funds charge per year
• Free standard-size safe deposit box (as available)
• No fee cashier's checks and money orders (up to six annually)
• No fee Travelers Checks
• .50% discount on fixed-rate home equity loan with auto payment (this discount applies to everyone who has payments charged to a Firstrust deposit account).

*Other financial institutions may impose a fee for the use of their ATM.
** Bonus rates not available on promotional CD terms.

Note: To avoid a monthly account maintenance charge of $20, you need a $15,000 combined average balance in checking, money market, savings, CDs, consumer loan and line, and mutual funds or stocks purchased through Firstrust Financial Resources, LLC. †

† For more information on how Firstrust Financial Resources can help you, visit us at www.FirstrustFinancialResources.com. (Financial professionals from Firstrust Financial Resources, LLC (FFR) offer securities through AXA Advisors, LLC (member SIPC). FFR is not owned or operated by AXA Advisors, LLC.

Interest-bearing Checking – FirstClass

FirstClass Checking offers money-saving benefits added to an interest bearing account.

• Interest on all checking balances
• Free Internet Banking
• Free Internet Bill Pay
• No annual fee VISA^® Debit Card
• Free STAR^sm 24-hour banking transactions *
• Free first order of personalized checks (selected styles)
• Unlimited check writing
• No annual fee for a Line of Credit (for qualified applicants)
• Direct deposit available
• Overdraft protection available
• No fee travelers checks
• .50% discount on fixed-rate home equity loan with auto payment (this discount applies to everyone who has payments charged to a Firstrust deposit account).

* Other financial institutions may impose a fee for the use of their ATM.

Note: To avoid a monthly account maintenance charge of $14, you need $4,000 in combined average balance in checking, money market, savings, and CDs or $10,000 combined consumer loan and line balances.

Over 50 Checking – FirstClass 50

If you are 50 or over, our low minimum-balance checking gives you these valuable benefits:

• Interest on all checking balances
• Free Internet Banking
• Free Internet Bill Payment
• No annual fee VISA^® Debit Card
• Free STAR^sm 24-hour banking transactions *
• Free Specialty Checks or 50% discount on personalized checks
• Unlimited check writing
• Direct deposit available
• Overdraft protection available
• .50% discount on fixed-rate home equity loan with auto payment (this discount applies to everyone who has payments charged to a Firstrust deposit account).

* Other financial institutions may impose a fee for the use of their ATM.

Note: To avoid a monthly account maintenance charge of $8, you need a $100 minimum daily ledger balance.

Low-Balance Checking – FirstCheck^®

Take advantage of our low minimum balance checking account. You’ll enjoy:

• Free Internet Banking
• Free Internet Bill Payment
• Available VISA^® Debit Card*
• Free STAR^sm 24-hour banking transactions **
• Unlimited check writing
• Direct deposit service
• Overdraft protection available
• .50% discount on fixed-rate home equity loan with auto payment (this discount applies to everyone who has payments charged to a Firstrust deposit account).

* VISA^® Check Card is subject to a $24 annual card fee.
** Other financial institutions may impose a fee for the use of their ATM.

Note: To avoid a monthly account maintenance charge of $10, you need a $100 minimum daily ledger balance.

Direct Deposit Checking – FirstCheck Direct^®

Take advantage of this direct deposit checking account with:

• No minimum balance
• Available VISA^® Debit Card*
• No monthly account maintenance charge
• Direct Deposit of your payroll, pension, or Social Security required
• Free STAR^sm 24-hour banking transactions**
• Free Internet Banking
• Free Internet Bill Pay
• Unlimited check writing
• Overdraft protection available
• Free check safekeeping
• .50% discount on fixed-rate home equity loan with auto payment (this discount applies to everyone who has payments charged to a Firstrust deposit account).

*VISA^® Check Card is subject to a $24 annual card fee.
**Other financial institutions may impose a fee for the use of their ATM.

Note: To avoid a monthly account maintenance charge of $10, direct deposit is required.

Have a question? Call a Firstrust Banking Specialist at 800-220-BANK (2265) or email us at info@Firstrust.com.