Personal Banking

Free Checking Account

• Minimum to Open -- $100

• No Monthly Service Charge

• No Minimum Balance to Maintain

• MasterMoney Debit Card -- No Additional Monthly Fee*

• Unlimited Check Writing

• Free Internet Banking

• Free Telephone Banking

 Interest Checking Account

• Minimum to Open -- $1000

• Monthly Service Charge -- $7.00

• Minimum Daily Balance to Earn Interest 
     and Avoid Monthly Service Charge -- $1000

• ¼% Discount on Certain New Home Equity Loans

• MasterMoney Debit Card -- No Additional Monthly Fee*

• Unlimited Check Writing

 Premium Interest Checking

• Minimum to Open -- $5000

• Monthly Service Charge -- $15.00

• Minimum Daily Balance Required to Earn Interest 
     and Avoid Monthly Service Charge -- $5000

• Basic Wallet Checks Are Provided

• Interest Rates Are Tiered

• ¼% Bonus on Certain New Certificates of Deposit

• ¼% Discount on Certain New Home Equity Loans

• Bank Checks Provided 
     (Cashiers Checks & Money Orders - Limited to 3 per month
     Travelers Cheques - Limited to Cheques for One)

• 25% Discount on Personal Size Safe Deposit Box
  MasterMoney Debit Card -- No Additional Monthly Fee*

• Unlimited Check Writing

 Basic Money Market

• Minimum to Open -- $2500

• Monthly Service Charge -- $10

• Minimum Daily Balance Required to Earn 
     Interest & Avoid Monthly Service Charge -- $2500

• Basic Wallet Money Market Checks Provided

• Limited Transaction Account

• No Interest Tiers

 Premium Money Market Account

• Minimum to Open is -- $5000

• Monthly Service Charge -- $15

• Minimum Daily Balance Required to Earn 
     Interest & Avoid Monthly Service Charge -- $5000

• Tiered Interest Rates

• Basic Wallet Money Market Checks Provided

• ¼% Bonus on Certain New Certificates of Deposit

• ¼% Discount on Certain New Home Equity Loans

• Limited Transaction Account

Statement Savings Accounts

• Minimum to Open -- $100

• Minimum daily balance required 
     to avoid $3 monthly service charge -- $100

• Minimum daily balance required to earn interest -- $100

• Two (2) withdrawals per month allowed at 
     no charge - $3 for each additional withdrawal

• Quarterly Statements Provided

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 Certificates of Deposit

• Terms of 181 days or less:

  • Minimum to Open -- $2500

• Terms of 182 days or longer:

  • Minimum to Open -- $500

• Competitive Interest Rates

• Terms from 7 days to 96 months

• Interest on deposits of one year or longer may compound or 
    be disbursed monthly, quarterly, semi annually or annually.

• Penalties for early withdrawals

IRA's Individual Retirement Accounts

• Minimum to Open is -- $100

• Competitive Interest Rates

• Traditional, Roth & Education IRA's available

• Penalties for early withdrawals

For Our Customers Who Are 50 & Over,
We offer 2 accounts designed specifically for you -
Classic 50 and Classic 50 Plus.

Classic 50

• Minimum to Open -- $100

• No Monthly Fee As Long As $100 Minimum Daily Balance Is Maintained

• Monthly Service Charge If Balance Falls 
    Below Required Minimum -- $7.00

• May Earn Interest with a $1000 Minimum 
    Balance (see Interest Checking Account)

• Basic Graystone Wallet Checks Provided

• $100,000 Common Carrier Accidental Death Insurance

• Many More Benefits

Classic 50 Plus

• Minimum to Open -- $100.00

• Monthly Service Charge -- $4.00

• No Minimum Balance Required

• Basic Graystone Wallet Checks Provided

• $10,000 Accidental Death Insurance, which 
    increases to $150,000 when traveling by 
    licensed common carrier.

• Money Orders & Cashiers Checks with no 
    Issuance Fee (limited to 3 per month)

• Pay Yourself Savings

• Many More Benefits

All interest bearing accounts:
The balance on which interest is paid for your account is determined by the daily balance method.

*MasterMoney Debit cards are provided to you with no additional monthly fee if you are using one of our automated teller machines. Should you use another banks ATM, there will be a .75 cent fee for withdrawals and .50 cent fee for balance inquiries. Notice Regarding ATM Fees By Others: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and by an automated transfer network.

 

Other Services
Available at All Locations

Loans
We offer a wide variety of loans including Personal, Automobile, Boat, Mobile Homes, Real Estate Mortgages, 30 Year Mortgages, Home Equity Loans, Construction Loans and Education Loans. Any loan payment can be set up to be automatically deducted from your checking account.

Safe Deposit Boxes
We offer many sizes of safe deposit boxes based on your individual needs. (Prices are based on size of box.) These are great for storing important documents such as birth certificates, titles, deeds, tax, insurance papers, and passports, etc.

Night Depository
A safe and convenient method of making deposits after regular banking hours.

Internet Banking
Bank on your own time with our Internet Banking Service. There is no additional monthly fee. You can use this service to check your balance, find out if a check has cleared, find out a check number or the amount of a check, transfer funds between accounts and to verify deposits.

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Miscellaneous Charges Effective November 1, 2003
Nonsufficient funds (NSF) item (each)	30.00
Overdraft (each debit or check paid)	30.00
Stop Payments (all items)	30.00
Check Cashing Fee (non-customers)	5.00
Cashier's Checks or Official checks:      Customers      Non-Customers	3.00 8.00
Money Orders:      Customers      Non-Customers	2.00 4.00
Traveler's Checks for one	1.00 per 100.00
Traveler's Checks for two	1.50 per 100.00
Deposited item returned unpaid	2.00
Duplicate Statement	1.00
Instant Statement	1.00
Special Statement (off regular cycle)	2.00
Balance inquiry by telephone      (Customer service personnel)	1.00
Balance inquiry by telephone     24-hour On-Call 761-2205	FREE
Copies of Checks or Deposits:      Single Item      Items requiring research	1.00 20.00 per hour 1.00 per copy
Statement Balancing	20.00 per hour
Wire Transfer (Incoming or Outgoing)	15.00
Check Collection	5.00
Collection with Securities	5.00
Garnishments	25.00
Levies	25.00
Coupons/Bonds: Per Envelope	3.00
Bonds per issue	6.00
Night Depository Bag	14.00
Account closed within 90 days of Opening	15.00
Re-Open Closed Account	25.00
MasterMoney Debit Card replacement fee	25.00
An account is dormant if for two years you have made no deposits or withdrawals to the account.
Dormant Account Fee	1.00 per month
Photocopies	.50

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This is a list of the miscellaneous charges of the First National Bank of Talladega. For a complete explanation of these charges, please call any of our offices.