39023 Conversion Booklet_web

14 Savings Account Options FNB First Savings • Interest is paid quarterly • 6 withdrawals per month, $1 per withdrawal thereafter (waived for those under 18) • $3 monthly service charge if balance falls below the $50 daily minimum balance (waived for those under 18) New! Vacation / Christmas Club • Interest is credited to account at payout • Christmas Club payout is in October, Vacation Club payout is in April • Flexible – you decide when and how much to contribute Kids 1st Club (Kids 13 And Under) • Interest is paid quarterly • Receive $5 when you deposit $25 within 30 days of your birthday • Receive $5 when you get 10 punches (a punch is earned for every deposit made of $10 or more) • Receive $0.50 for every “A” earned on your report card (up to $3) Premier Money Market • Interest paid at statement cycle • Tiered rates of interest (based on balance) • 6 withdrawals per month, $1 per withdrawal thereafter • $10 monthly service charge if balance falls below the $2,500 daily minimum balance Health Savings Account • Interest is paid quarterly • Special tax-advantaged account that can be used with a high-deductible health insurance plan (consult your health insurance company and tax advisor for qualification requirements) • Allows you and your family to pay for most medical expenses tax free • No monthly service charge