Frandsen Bank & Trust

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

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Classic Checking	$100	Unlimited check writing eStatement available	None	$5 monthly maintenance fee if combined deposit balance** falls below $5,000	Yes	Yes

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

Account

Minimum Opening Balance

Highlights

Interest

Service Charge

ATM/Check Card

Online Banking/Bill Pay

Classic Plus Checking

$100

Unlimited check writing
eStatement available

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

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

Yes

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Gold Star Checking	$100	Available to persons age 55 or older No minimum balance Two (2) free boxes of Frandsen Bank & Trust checks per year No fee traveler's checks, cashier’s checks, money orders, travel cardsand gift cards eStatement available	Accrues daily; credited and compounded monthly on daily balances equal to or greater than $500	None	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 Free Frandsen Bank & Trust checks No fee traveler's checks, cashier’s checks, money orders, travel cards, and gift cards eStatement available	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$10 monthly maintenance fee if account balance falls below $1,500 on any day during the statement cycle or if combined deposit balance** falls below $25,000	Yes	Yes

Account	Minimum Opening Balance	Highlights	Interest	Service Charge	ATM/Check Card	Online Banking/Bill Pay
Money Market	$2,500	Unlimited in-person transactions Withdrawal limitations apply per federal regulation*	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$10 monthly maintenance fee if account balance 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 combined deposit balance is determined by adding the account monthly average balance to the balance of all of your other personal deposit accounts on the statement cycle date.

Member FDIC