Frandsen Bank & Trust

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Simply Free Checking	$100	No minimum balance Unlimited check writing	None	None	Yes	Yes

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Classic Plus Checking	$100	Unlimited check writing Avoid maintenance fee with either a $500 daily balance or a $10,000 total deposit relationship	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$8 monthly maintenance fee if account falls below $500 on any day during the statement cycle or if the total deposit relationship** balance falls below $10,000 on statement cycle date	Yes	Yes

Account

Minimum Opening Balance

Highlights

Interest

Service Charge

ATM/Check Card

Online Banking/Bill Pay

Classic Plus Checking

$100

Unlimited check writing
Avoid maintenance fee with either a $500 daily balance or a $10,000 total deposit relationship

Accrues daily; credited and compounded monthly
Pays interest on a tiered basis

$8 monthly maintenance fee if account falls below $500 on any day during the statement cycle or if the total deposit relationship** balance falls below $10,000 on statement cycle date

Yes

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Gold Star Checking	$100	Available to persons age 50 or older No minimum balance Limited check writing Free Frandsen Bank & Trust checks No fee travelers checks, cashier’s checks, money orders, and gift cards	Accrues daily; credited and compounded monthly on daily balances equal to or greater than $500	$3 charge for check activity if more than 50 checks clear during the statement cycle	Yes	Yes

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Ultimate Checking	$100	Complimentary annual financial consultation Unlimited check writing Avoid maintenance fee with either a $1,500 daily balance or a $25,000 total deposit relationship Free Frandsen Bank & Trust checks No fee travelers checks, cashier’s checks, money orders, and gift cards	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$10 monthly maintenance fee if account falls below $1,500 on any day during the statement cycle or if the total deposit relationship** balance falls below $25,000 on statement cycle date	Yes	Yes

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Money Market	$2,500	$2,500 minimum balance required Unlimited in-person transactions Withdrawal limitations apply per federal regulation*	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$8 monthly maintenance fee if account falls below $2,500 on any day during the statement cycle	Yes	Yes

* During any calendar month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order.

** The deposit relationship balance is determined by the aggregate balances held by the customer in all personal checking, savings, and certificates of deposit.

Member FDIC