Minimum Opening Deposit

• $25

Minimum Daily Balance Requirement

• N/A

Monthly Maintenance Fee (3)

• $3 Monthly Maintenance Fee

Earns Interest? (2)

• No

Tiers

• None

Transactions Per Month (1)

• N/A

eStatements*

• Monthly eStatements are required

Paper Statements

• $2 monthly paper statement fee if not enrolled in eStatements

Definitions

(1) Transaction Limitations: On FFBT Regular Savings, Premier Savings, Premier Savings Plus, Personal Investor Money Market, and Commercial Money Market accounts, deposits of any amount are allowed at any time. Per federal regulations, a limit of six (6) transfer or withdrawals from your account are allowed per calendar month, if made by preauthorized or automatic transfers or debits, ATM POS, debit card, internet transfer to another account, bill pay, telephone, fax or computer transfer to another account; a $10.00 activity fee will be charged for each limited transfer or withdrawal from your account each statement cycle in excess of six (6). Transfers and withdrawals made in person, by messenger, by mail or at an ATM are limited.

(2) Interest accrual: For non-cash deposits (for example, checks) to Checking, Money Market, and Savings accounts, interest begins to accrue no later than the Business Day we receive credit. For cash and electronic deposits, interest begins to accrue the Business Day of deposits.

(3) Minimum Balance: This fee will be imposed if the balance falls below the minimum daily balance any day of the month.

Available Balance: The balance in your account at the close of the Business Day, consisting of cash, wire transfers an electronic deposits, plus those non-cash items on deposit for which you have received credit from another bank, and interest credited to the account, minus all withdrawals and other debits to the account, minus holds and items for which you have not received credit.

Statement: We will provide Checking, Money Market, and Savings account statement monthly.

*eStatements: If eStatement enrollment is not completed within 30 days of account opening or is cancelled anytime during the life of the account, or if the email address is not valid, a $2.00 monthly paper statement fee will be charged.