First National Bank, Albany/Breckenridge

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Checking Accounts

Checking (Regular)

Minimum Balance to Open the Account	$100.00
Minimum Balance to Avoid Imposition of Fees	If your average balance falls below $500.00 in the monthly statement cycle, we will impose a service charge fee of $7.50 once during the statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Student Checking

Minimum Balance to Open the Account	$100.00
Fees	The monthly service charge will be waived for students.

First Club Account

Member Benefits	Personalized checks Safe deposit box discount Traveler's checks Cashier's checks Stop payment discount Automatic funds transfer Wire transfer discount Free ATM Card(s) $10,000 accidental death & dismemberment insurance and $25,000 scheduled Airline coverage. Additional coverage option includes $30,000 accidental death & dismemberment insurance, $100,000 scheduled airline, and $2,500 dependent children coverage. Identity Watch program Protect-Your-Cards program Lost and found pet tags Prescription drug discounts CD rate bonus Hotel & motel discounts Travel services Guaranteed lowest airline rates Travel rebates Short-notice travel discounts Reduced rate installment loans Sweep overdraft protection
Minimum Balance to Open the Account	$100.00
Fees	A monthly club fee will be charged to this account depending on the plan you have chosen. The fee will be charged as follows: Regular Coverage......................................$9.00 Additional insurance.................................$10.00 First Club Senior Regular Coverage............$6.00 First Club Senior Additional Coverage.........$7.00

NOW Account

Rate Information	Your interest rate and annual percentage yield may change.
Frequency of Rate Change	We may change the interest rate on your account at any time.
Determination of Rate	At our discretion, we may change the interest rate on your account.
Compounding and Crediting frequency	Interest will be compounded monthly. Interest will be credited to your account every month.
Effect of Closing an Account	If you close your account before the interest is credited, you will not receive the accrued interest.
Minimum Balance to Open the Account	$1,000.00
Minimum Balance to Avoid Imposition of Fees	A minimum balance charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed	You must maintain a minimum balance of $1,000.00 in the account each day to obtain the annual percentage yield disclosed.
Daily Balance Computation Method	We use the daily balance computation method to calculate the interest on your account, This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits	Interest begins to accrue on the business day you deposit noncash items (for example, checks).

First Club NOW Account

Member Benefits	(See First Club Account above)
Rate Information	Your interest rate and annual percentage yield may change.
Frequency of Rate Change	We may change the interest rate on your account at any time.
Determination of Rate	At our discretion, we may change the interest rate on your account.
Compounding and Crediting frequency	Interest will be compounded monthly. Interest will be credited to your account every month.
Effect of Closing an Account	If you close your account before the interest is credited, you will not receive the accrued interest.
Minimum Balance to Open the Account	$1,000.00
Minimum Balance to Avoid Imposition of Fees	A minimum balance charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed	You must maintain a minimum balance of $1,000.00 in the account each day to obtain the annual percentage yield disclosed.
Daily Balance Computation Method	We use the daily balance computation method to calculate the interest on your account, This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits	Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees	Regular Coverage.....................$6.00 Additional Coverage..................$7.00

Money Market Deposit Account

Rate Information	Your interest rate and annual percentage yield may change.
Frequency of Rate Change	We may change the interest rate on your account at any time.
Determination of Rate	At our discretion, we may change the interest rate on your account.
Compounding and Crediting frequency	Interest will be compounded monthly. Interest will be credited to your account every monthly.
Effect of Closing an Account	If you close your account before the interest is credited, you will not receive the accrued interest.
Minimum Balance to Open the Account	$2,500.00
Minimum Balance to Avoid Imposition of Fees	A minimum balance charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed	You must maintain a minimum balance of $2,500.00 in the account each day to obtain the annual percentage yield disclosed.
Daily Balance Computation Method	We use the daily balance computation method to calculate the interest on your account, This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits	Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limits	Transfers from a Money Market Deposit account to another account or 3rd parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft, or similar order to 3rd parties.
Fees	An excess withdrawal charge fee of $5.00 will be charged for each withdrawal in excess of three (3) during a statement cycle.

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