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Earn More with Interest-Bearing Checking Accounts An interest-bearing checking account offers the interest accumulation of savings accounts with the withdrawal and check-writing ease of checking accounts. This best-of-both-worlds combination allows bank customers to accrue some interest on their balance while only needing to meet some minimum requirements. First Bank’s Interest-Bearing Checking Accounts The money in your checking account is yours and earning interest on it matters. At First Bank, we offer three types of checking accounts (two personal and one business) that accrue interest when the minimum balance is maintained. Each is uniquely designed to meet the needs of our many different customers. Interest-Bearing Personal Checking Accounts Everywhere Plus. Our Everywhere Plus account comes with free online and mobile banking, free online bill pay, and free paper or electronic statements. Everywhere Plus customers also have a credit card rewards program for eligible card. Everywhere Premium. The Everywhere Premium account includes all the basics of the Everywhere Plus level while also granting unlimited out-of-network ATM transactions with no First Bank fees, free member checks or 50% off other check designs, and four free official checks per statement cycle. Interest-Bearing Checking Account for Businesses With our Business Interest account, business owners enjoy: 250 free transactions per month Cash or coin deposits of up to $10,000 every month at no charge Rewards benefits with an eligible credit card Free 24-hour telephone banking Online and mobile banking Contact your local branch and get started with an interest-bearing checking account today. Is an Interest-Bearing Account Right for Me? According to the Las Vegas Review-Journal, interest-earning checking accounts are typically good for people who: Carry large account balances Spend less than they earn Keep a stockpile of cash or funds Are retired and want a higher-interest product than most of today’s investment accounts Pay attention to their finances and can meet the criteria needed to open an interest-earning checking account For a related article, visit: High Interest Checking Accounts – North Carolina While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Must enroll in First Bank Online Banking and download the First 3 min read

Compare First Bank Checking Accounts If you’ve begun the process to compare bank accounts, it’s important that you review the options that differentiate them. Fortunately, you have a local partner in First Bank — a bank that offers a variety of checking accounts, each with unique features. Compare Our Checking Accounts You can visit our website and use our checking account comparison chart** for additional information to supplement the summaries below. Everywhere Checking, our most basic checking account, comes with features such as free online and mobile banking*** and free online bill pay. It also offers the following: MyMoney: a free online budgeting and savings tool Free eStatements or paper statements Everywhere Plus includes all the great benefits of our Everywhere Checking account, plus: Earn interest on your balance Everywhere Premium includes all of the benefits of Everywhere Plus but with added features, such as: No First Bank transaction fees on out-of-network ATM withdrawals Free member checks or 50% discount on alternate check designs 4 free official checks per statement cycle First Bank also offers accounts for students and seniors. Our Campus Checking account is designed for high school and college students under the age of 25, and includes benefits such as: No monthly maintenance fees Mobile check deposit Easy money transfers between First Bank accounts Free online and mobile banking No First Bank transaction fees on 8 out-of-network ATM withdrawals per month Our Senior Checking account is for customers 55 and older and can be kept fee-free by meeting a minimum monthly direct deposit of $250.* Senior checking also includes: Free online and mobile banking Free basic checks or 50% off other designs Open an Account Today at First Bank Now that you’ve compared our bank account options, visit your local First Bank branch to open an account today. * Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply.While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. **Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees 3 min read

What Do I Need to Open a Checking Account? What do you need to open a checking account? It can vary a little from bank to bank but there are typically some fundamental necessities needed to open a checking account. First Bank has five levels of checking accounts, each with varying conditions and capabilities. But let’s start with the basics that hold true for any checking account: What You Need to Open a Checking Account Identification. You will be required to show a picture ID in order to open a checking account such as a driver’s license, passport or military ID card. Personal information. Basic information such as name, address, telephone number, date of birth and social security number. Deposit. You’ll need a small minimum amount of money to make the initial deposit into the account. Clean record. Before opening a new checking account, a most banks will run a consumer report of your previous banking relationships to make sure you don’t have a record of charged-off accounts or fraudulent activity. A bank will sometimes allow you to still open a new account provided you repay the charged off account. Types of Checking Accounts Let’s take a look at First Bank’s five personal checking account options. Everywhere Checking. This is our most fundamental checking account. Everywhere Plus. This option allows you to earn interest on your balance. Everywhere Premium. Earn interest plus enjoy some additional perks such as an unlimited number of out-of-network ATM transactions with no First Bank fee. Campus Checking. Students under the age of 25 get the benefit of a checking account free of a minimum balance requirement and monthly maintenance fees. Senior Checking. Customers age 55 and older can be fee-free with direct deposit and get free checks. Contact First Bank Today Visit your local First Bank and one of our friendly associates will help you with what you need to open a checking account. Or use our Compare Accounts feature to see which checking account is right for you. Read more about this topic: What Is Required to Open a Business Checking Account?, Finance 101: Banking Basics. ——— Sources: Investopedia: http://www.investopedia.com/terms/m/minimum-balance.asp 2 min read

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