Features: A guaranteed rate with fixed rates and a choice of terms.

• Transaction Limitation: You may not make any deposits into your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty.
• Minimum Balance to open the account: $1,000.00
• Early Withdrawal Penalty: A penalty may be imposed for withdrawals before maturity. Penalty amount varies by the original maturity term. Any withdrawal made during the first six (6) days after the account opening will be subject to an early withdrawal penalty of seven (7) days simple interest on the principal amount withdrawn regardless of term.
• Minimum Balance to obtain disclosed APY: $1,000.00
• Effect of closing an account: Interest will not be received if you close your account before interest is credited.
• Terms: 7 days to 3 years
• Compounding Frequency: Interest will not be compounded.
• Rate Information: The interest rate and Annual Percentage Yield (APY) in effect at account opening will be paid until first maturity. Please contact First Standard Bank’s new account representative to obtain the current interest rate.

• Interest Crediting Frequency: You can choose to have your interest credited: Monthly, quarterly, semi annually, or at maturity. Interest may be: credited to your account, credited to another checking/savings account you have with us or paid by check.

Features: Interest bearing personal/business checking account

• Check Writing Transaction Limitation: Limited to six transfers/checks per month.
• Minimum Balance to open the account: $100,000.00
• Monthly Service Charge: $20.00 plus $0.25 per debit
• Minimum Balance to avoid monthly service charge: Maintain daily balance of $20,000.00 or average daily balance of $100,000.00 for monthly statement cycle.
• Effect of closing an account: Interest will not be received if you close your account before interest is credited.
• Other: $10.00 will be charged for each check in excess of six during the month. The interest rate on your account will be equal to three months Treasury Bills Rate. Interest rate and annual percentage rate yield may change.

Features: Interest bearing personal/business checking account

• Check Writing Transaction Limitation: Limited to six transfers/checks per month.
• Minimum Balance to open the account: $1,000.00
• Monthly Service Charge: $8.00 plus $0.25 per debit
• Minimum Balance to avoid monthly service charge: Maintain daily balance of $2,500.00 or average daily balance of $5,000.00
• Effect of closing an account Interest will not be received if you close your account before interest is credited.
• Other: $10.00 will be charged for each check in excess of six during the month. Interest Rate and Annual Percentage Rate may change.

Features: Interest bearing personal/business checking account

• Check Writing Transaction Limitation: Limited to six transfers/checks per month.
• Minimum Balance to open the account: $1,000.00
• Monthly Service Charge: $20.00 plus $0.25 per debit
• Minimum Balance to avoid monthly service charge: Maintain daily balance of $10,000.00 in either Super Well Being Checking or Well being Money Market accounts
• Effect of closing an account Interest will not be received if you close your account before interest is credited.
• Other: $10.00 will be charged for each check in excess of six during the month. Interest Rate and Annual Percentage Rate may change.