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Highest Yield Savings Account A high yield savings account is a great way to grow your money over the long term. First Bank has several options for those searching for the highest yield savings account available to them. Read on to learn more about the best ways to save your money for the future. Save Your Hard-Earned Cash With A First Bank High Yield Savings Account First Bank offers high yield savings accounts that will help you save your hard earned cash, so you can spend it however you want to in the future. Our Money Market Account gives you access to your savings, while you earn interest at a higher rate than most other savings account options. Money Market Account benefits include: 6 free withdrawals per month* Interest-earning account access $1,000 minimum required to open account Free online and mobile banking* Easy money transfers Free eStatements or paper statements A certificate of deposit is also a good option for anyone looking for the highest yield savings account possible. If you do not need immediate access to your funds, a CD usually offers higher interest rates than savings and money market accounts. First Bank’s CDs are safe, FDIC-insured investments, and typically offer fixed interest rates. Learn More About High Yield Savings Accounts Today To learn more about the highest yield savings accounts in North Carolina and South Carolina, visit our website or stop by your local First Bank branch. ——— Sources: Investopedia: http://www.investopedia.com/articles/pf/09/high-yield-savings-account.asp *Withdrawal fee of $15 each after the first six free during the month. Federal regulations limit withdrawals of preauthorized transfers to six (6) per month, including checks, drafts, online transfers, telephone transfers and debit card purchases. You may conduct an unlimited number of withdrawals at the ATM, in person at a branch, or by mail when the check is mailed to you. *While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 2 min read

Best Banking Rates and Services: First Bank, NC There are many factors to consider when assessing a checking account comparison. You’ll want to weigh interest rates, maintenance fees, ATM options, online features and more. First Bank has nearly 100 locations across North Carolina to house your money under a variety of checking options. Use the chart below to compare three of First Bank’s personal checking accounts. Compare Checking Accounts at our First Bank Locations Everywhere Checking Free online and mobile banking, free online bill pay, and free eStatements or paper statements Learn More Everywhere Plus Interest at a minimal balance requirement Free online and mobile banking, free online bill pay, and free eStatements or paper statements Learn More Everywhere Premium No First Bank fees on out-of-network ATM withdrawals Free member checks or 50% off other check designs, plus 4 free official checks per statement cycle Interest at a minimal balance requirement Free online and mobile banking, free online bill pay, and free eStatements or paper statements Learn More Learn More at First Bank As you can see, there’s something for everyone at First Bank. We even have accounts catered specifically for college students and senior citizens along with a wide selection of business checking accounts. Learn more about First Bank’s accounts and perform your own checking account comparison to find the one that’s right for you. Come by your local branch today. 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 may apply as described in the Account Services Fee Schedule available on our website at fees or at your local branch. Eligible personal deposits include checking, savings, Money Market, CD, or IRA. Eligible personal loans do not include residential mortgage loans. Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply. ——— Sources: Investopedia: http://www.investopedia.com/terms/i/interest.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 Investopedia: http://www.investopedia.com/terms/m/minimum-balance.asp 2 min read

How Your Healthy-Eating Resolution Saves Calories and Money To get tips on mindful eating and spending, we talked with Jessica Thiefels, a full-time blogger and ACE Certified Personal Trainer, as well as an NASM Certified Fitness Nutrition specialist and the owner of her own personal training business, Honest Body Fitness in San Diego. If you made a resolution to eat healthier this year and need a boost to keep going, get excited because it turns out you’ll save a lot more than a few extra calories. You Eat Out Less Often The top expense for most people is eating out. In fact, 2014 data reveals the average American spends $232 per month eating food prepared outside the house. When eating healthy, however, a restaurant is the worst place to be. With no idea of how much salt, butter, dairy, and oil goes into a dish, you could be eating double or triple the amount of fat you should have in one day. You soon come to realize that eating in is not only less stressful because you control the ingredients and portions, but that it’s saving you hundreds of dollars a month. Planned Eating Cuts Down on Food Expenses When eating healthy, it’s important to plan your meals and snacks in advance so that when your 3 pm craving rolls around, you can reach into your trusty stash of almonds nearby to avoid hunting for sweets instead. This healthy eating strategy helps you save at the grocery store. When you know what you need, you can buy just that. All too often we buy more than is necessary and end up tossing it. This is a nationwide problem, with 40% of food in the United States going uneaten. This means we throw away the equivalent of $165 billion dollars each year, according to the National Resources Defense Council. By planning your healthy meals for the week, you waste less and save more. Vegetables Are Versatile Vegetables are not only some of the cheapest items in the grocery store, but they can be used in so many ways. Save money and time by buying them when they’re fresh and freezing some for future meals, or by simply buying them frozen to begin with. “Frozen vegetables are a lifesaver and can 4 min read

Your Community Bank in North Carolina Are you wondering how your community bank stacks up against some of the national banks in North Carolina? Well, don’t believe that community banks versus big banks comparisons are always infallible. First Bank debunks many of these proposed theories. Let’s first take a look at the pros of big banks and how First Bank, despite being a local bank, fits right in: Plenty of ATMs and branches. There’s this notion that local banks don’t have enough branches to meet the convenience level of their national competitors. But First Bank has more than 90 locations throughout North Carolina, from Kill Devil Hills in the east to Asheville in the west. Deep menu of financial services. The other misconception about your community banks is that they only offer very basic services. But in addition to checking and savings accounts, First Bank proudly offers personal and business loans, mortgages, investment options, credit cards and more. Cutting-edge tech tools. Where did this idea that only big banks can offer the latest in technology come from? First Bank customers enjoy digital banking from their home computers or wireless devices, remote and mobile check deposit, text message account alerts, and more. The Pros of Your Community Bank Now that we’ve debunked the most popular “negatives” of local banks, let’s examine the pros of community banks as listed in the article just to make sure First Bank accomplishes those as well. Trademark personal service. This is the backbone of First Bank. We take the time to get to know you personally, so we can cater to your every financial need. More checking options*. First Bank’s checking and savings accounts have ways of avoiding First Bank monthly maintenance fees by meeting certain requirements. As you can see, your community First Bank is small enough to capture all the advantages of local banks but capable of serving customers just like a big bank. Find your nearest community First Bank in North Carolina and experience the best of both worlds. __________________________________________________________________________ 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 may apply as described 2 min read

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