Personal Checking

Checking Suite	Free Checking	eChecking	Premier Checking	Classic Checking

Product Description	Basic Checking account with unlimited check writing	Checking account for those who conduct most of their banking online	Checking account for those who carry a high balance or have existing deposits with FBFC	Checking accounts for customers age 50 or better
Competitive Interest	No	YES	YES	YES
Minimum Opening Balance	$100	$100	$100	$100
Minimum Daily Balance	$0.00	$100	$500 OR $5000 in deposits with FBFC	$0.00
Monthly Maintenance Fee	$0.00	$2.00/mo if account falls below daily minimum balance	$10.00/mo if account falls below daily minimum balance or total deposit balance	$0.00
ATM Transactions	Free at FBFC & over 600 Wisconsin ATM ACCE$$~	Free at FBFC & over 600 Wisconsin ATM ACCE$$~	Free at FBFC & over 600 Wisconsin ATM ACCE$$~	Free at FBFC & over 600 Wisconsin ATM ACCE$$~
Check Writing Access	Unlimited	$0.25 per item	Unlimited	Unlimited
eBanking	YES	YES	YES	YES
eBill Pay		YES	YES	YES
24-hr Telephone Banking Access	YES	YES	YES	YES
FBFC VISA ® Credit Card	Available+ minimum requirement of 1 purchase/yr to waive annual fee	Available+ minimum requirement of 1 purchase/yr to waive annual fee	Available+ minimum requirement of 1 purchase/yr to waive annual fee	Available+ minimum requirement of 1 purchase/yr to waive annual fee
VISA ® Check Card	YES	YES	YES	YES
eStatements	Available	Required	Available	Available
Paper Statements	YES	$2.00/mo	YES	YES
Check Safekeeping	YES	YES	YES	YES
Check Printing	Available	Available	(2) boxes/yr at no charge *	(2) boxes/yr at no charge *
First to Know Newsletter	YES	YES	YES	YES
Other	Check Images with Paper Statements ($2.00/mo) Overdraft Protection** Online Bill Pay ($2.95/mo) Overdraft Privilege^	Check Images with Paper Statements ($2.00/mo) Overdraft Protection** Paper Statements ($2.00/mo) Check Writing ($0.25/item) Overdraft Privilege^	Check Images with Paper Statements ($2.00/mo) Discount on HELOC Closing Costs Overdraft Protection** Overdraft Privilege^	Check Images with Paper Statements ($2.00/mo) Overdraft Protection** Overdraft Privilege^ Annual Discount on a Safe Deposit Box Discount on Travel Club Trips Free Traveler's Checks (single Signature) (3) Free Cashiers Check/mo (3) Free Money Orders/mo
+ Subject to credit approval. * Checks are FBFC signature checks. **Additional deposit account required. ^Overdraft Privilege - as a customer courtesy, the bank will consider payment of reasonable overdrafts. Some restrictions may apply. Please read the Overdraft Privilege Policy. ~ See Wisconsin ATM ACCE$$ brochure for participating ATMs.