Regular/Interest Checking

Regular/Interest Checking

Account description		The Regular/Interest Checking account is designed for our customers who wish to earn interest, and who wish to keep a moderate account balance in exchange for little to no monthly service charge.

Account benefits	Free online banking Free Bill Pay service (service will be discontinued if not used at least once every 90 days) Free 24-hour telephone banking Free imaged statements available in online banking system and through eStatements service.

Interest		Interest is earned if a minimum daily balance of $750 is maintained. Interest is accrued on daily collected balances and paid monthly. Your personal banker can provide current interest rates.

Monthly service charge		If account balance is more than $400, there is no service charge. Otherwise, $8 per month.

First American ATM/Debit Card	There is a $1.50 monthly charge for the ATM/Debit card. Use it instead of cash or checks at locations worldwide. Free unlimited debit card transactions. Free unlimited ATM transactions at First American Bank or Privileged Status Network ATM machines. First American Bank is pleased to offer our customers a growing network of Automated Teller Machines (ATMs) for fast access to cash. We are also proud to partner with other financial institutions nationwide in the Privileged Status ATM program. If you want to avoid the surcharges other banks charge on machines, look for the Privileged Status logo and use your ATM/Debit Card for cash transactions. In Florida, ATM transactions in all Publix Supermarkets are fee-free.

Protection against insufficient funds		Overdraft protection is available for Regular/Interest customers in several ways: Overdraft Privilege^sm service, Moneyline, or by automatic transfer from another First American Bank account. Fees will apply.

Bank where, when, and how you like	Secure online banking 24-hour telephone banking at 1-888-573-5463. Free Bill Pay service. Pay bills efficiently, quickly at your convenience. (Service will be discontinued if not used at least once every 90 days) Several First American Bank locations prepared to serve your banking and financial needs.