Checking and Money Market Accounts

Service 1^st Bank means personal service. We concentrate on providing responsive service and appropriate products to discerning clients. Our wide range of checking and money market accounts reflect our commitment to delivering personalized "relationship" banking.

Basic Checking:
A checking account for customers who plan to write fewer than 5 checks per month; our most economical checking account.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
VISA® Check Card available.	$100	None	5 cleared checks are permitted per monthly statement cycle. For each item over 5, a fee of $0.25 per item will apply.	Monthly service charge is $4 per monthly statement cycle.

Service 1^st Checking:
A personal checking account with unlimited check writing.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Unlimited check writing. VISA® Check Card available.	$100	None	Unlimited	Monthly service charge of $10 may be avoided by maintaining an average daily balance of $1,000.

Shareholder Checking:
A personal checking account for Service 1^st shareholders; unlimited check writing, no minimum balance requirements, and other special privileges.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Limited to Service 1^st Bank shareholders, free "Speciality checks" or discount on choice of personal checks, unlimited check writing, VISA® Check Card available.	$100	None	Unlimited	None

Senior Checking:
For our customers age 55 or older, this checking account earns interest, offers unlimited check writing and there is no monthly service charge.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Qualifying age of 55, unlimited check writing, VISA® Check Card available.	$100	Interest is compounded daily and paid monthly.*	Unlimited	None

Personal Interest Checking:
This account offers unlimited check writing and earns interest.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Unlimited check writing, VISA® Check Card available.	$1,000	Interest is compounded daily and paid monthly.*	Unlimited	Monthly service charge of $10 may be avoided by maintaining an average daily balance of $1,500.

Liquid Gold Checking:
This account offers unlimited check writing and earns interest based on a tiered rate structure. Enjoy unlimited access to your funds and earn interest at a higher yield.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Unlimited check writing, VISA® Check Card available.	$5,000	Interest is compounded daily and paid monthly.* This is a tiered rate account.	Unlimited	Monthly service charge of $15 may be avoided by maintaining an average daily balance of $10,000.

Personal Money Market:
Write just a few checks each month and earn a higher interest rate on your account balance.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Limited check writing.	$2,500	Interest is compounded daily and paid monthly.* This is a tiered rate account.	Transfers to another account or to third parties by preauthorized, automatic, or telephone are limited to 6 per month with no more than 3 by check, draft, debit card, or similar order to third parties. A fee of $10 per item will apply when the monthly limit of 6 is exceeded.	Monthly service charge of $15 may be avoided by maintaining an average daily balance of $2,500.

Health Savings Account:
For eligible individuals or families with High Deductible Health Plans.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Unlimited check writing, first order up to 50 "HSA specialty duplicate checks" free and VISA® Check Card available.	$100	Interest is compounded daily and paid monthly.* This is a tiered rate account.	Unlimited	Monthly service charge of $2.50 may be avoided by maintaining an average daily balance of $2,000 (waived for 1 year from account opening). One time set-up fee of $35. Annual fee of $15 (waived the 1st year).

*Rates are subject to change at any time without prior notice.