First Heritage Bank - The Greatest Small Business Bank

Checking

We offer five types of personal checking accounts. Which one is right for you?

At First Heritage Bank, we strive to provide the best checking account options. Whether you're looking for convenience, a competitive yield, or both, we have the option for you. Compare our checking account choices in the following chart and see which one makes the most sense for your needs.

First Heritage Bank's Personal Checking Options
Type of Account	Free Checking	Interest Checking	Premium Checking	Timeless Advantage Checking*	Club Checking
Recommended if you want	A checking account free of a monthly service charge	Earns interest with a lower minimum balance requirement than Premium Checking	High rate checking account with attractive interest rates on all balance tiers	If you are 50 or better, get a free checking account with attractive interest rates on all balance tiers	Checking, plus specialized services that add everyday value
Minimum Daily Account Balance - Requirement to Avoid Monthly Service Fees	$0	$2,000 average balance or $750 minimum daily balance	$10,000	$0	N/A
Monthly Service Fee	$0	$8	$10	$0	$7
Minimum Opening Deposit	$25	$100 $25 for Senior and Minors	$1,000	$25	$100 $25 for Senior and Minors
Outstanding Features
Type of Checking Plan	Free Checking	Interest Checking	Premium Checking	Timeless Advantage Checking*	Club Checking
Unlimited Check Writing	Yes1	Yes1	Yes1	Yes1	Yes1
Checks Stored by Bank (image copy provided for a small monthly fee)	Yes	Yes	Yes	Yes	Yes
Visa Debit Card with no monthly fee	Yes	Yes	Yes	Yes	Yes
ATM withdrawal access	Yes	Yes	Yes	Yes	Yes
Free Online Banking	Yes	Yes	Yes	Yesg	Yes
Free Bill Pay	Yes	Yes	Yes	Yes	Yes
Free Direct Deposit	Yes	Yes	Yes	Yes	Yes
Unique Features
		Earns competitive interest rates	Earns competitive interest rates- additionally pays premium interest on higher balances	Earns premium interest rates on all balance tiers	Personalized Club Checks at no charge (other styles available at a discount)
		Allows sweeps from other accounts to maintain minimum balance	Allows sweeps from other accounts to maintain minimum balance	Personalized Timeless Advantage Checks at no charge (other styles available at a discount)	Free cashiers checks, money orders, and standard Traveler's Checks
			Free cashiers checks, money orders, and standard Traveler's Checks when $50,000 balance is maintained	Free cashiers checks, money orders, and standard Traveler's Checks	$10,000 Accidental Death & Dismemberment Insurance2
					RX Advantage preferred pricing on brand name and generic prescriptions3
					Discounts on travel and recreation4

Your First Heritage checking account also gives you access to:

• Free Notary Service
• Cashier's Checks
• Money Orders
• Traveler's Checks
• Wire Transfer
• Safe Deposit Boxes (available at certain locations)

First Heritage Bank's account programs are subject to change. Certain restrictions apply. Overdrawn accounts and other fees may reduce earnings when the minimum balance requirement is not maintained. 1) Subject to funds availability 2) Accidental Death & Dismemberment Insurance is offered through Affinion Group and is underwritten by Hartford Life Insurance Company. The Accidental Death & Dismemberment Insurance is NOT a deposit, is NOT FDIC-Insured, is NOT insured by any Federal Government Agency, is NOT guaranteed by the bank and may go down in value. Coverage is divided equally among owners of joint accounts. The Accidental Death insurance benefit reduces by half at age 70. 3) Rx Advantage™ is not an insurance program and is available at participating pharmacies nationwide. 4) Ticketing and travel arrangements provided through Cendant Travel, Inc.

*This account is only available to customers age 50 and above.