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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

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

You’re Getting Married! Keep These 8 Things in Mind Getting married is not a small feat for many reasons – among them, marriage represents a new stage in your financial life. We asked three First Bank team members about what financial issues soon-to-be newlyweds need to discuss. 3 min read

Find the Best Bank for a Student Checking Account Student checking accounts are a great way for college students to get their finances in order and prepare for the future. But finding the right checking account at the best bank takes some research. Deciding which bank offers the best student checking account comes down to finding one that offers the best benefits and features. Use this guide to determine what features are important to you, then learn how to open a student checking account online today. Guide to Choosing a Student Checking Account When comparing student bank accounts, the Simple Dollar suggests making these four factors top priority: Fees — Checking accounts often have monthly fees, but a lot of banks offer accounts without them. As a college student, you shouldn’t have to worry about wasting your money on monthly maintenance fees. When choosing a checking account, go for the bank that offers no monthly fees for students. Location — When it comes to student banking, location is important. You probably don’t want to travel too far off campus to find an ATM or local branch, so look for banks with locations near you. If you like a bank, but their ATMs are located too far away, ask about their fees on out-of-network ATM transactions. A lot of banks will allow you to make a certain number of ATM transactions per month, fee free. But be careful, although your bank might not charge you a fee, the ATM itself could. Linked savings account — College is a great time to start putting money away for your future. When choosing a bank to open a student checking account, consider a bank that offers a linked savings account. With a linked account you will be able to transfer money easily between accounts, allowing you to save as much or as little as you want each month, and withdraw from your savings whenever you want. Perks — Any good student bank account should come with perks. Decide what features and benefits are important to you, such as mobile banking, mobile check deposit and online bill pay, then look for a bank that offers those perks. Campus Checking from First Bank You know that fees, location, savings and perks are all important in a student checking account, but where can you find 3 min read

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