First American Bank - Consumer Loans

BUSINESS CHECKING ACCOUNTS	FAB SMALL BUSINESS CHECKING	FAB BUSINESS CHECKING	FAB BUSINESS INTEREST CHECKING	FAB COMMUNITY CHECKING
Amount required to open	$1,000	$1,000	$1,000	$100
Minimum balance	No minimum balance	No minimum balance	No minimum balance	No minimum balance
Monthly Fee	$10 Can avoid monthly fee by maintaining daily collected balance of $1500	$15	$10 Can avoid monthly fee by maintaining daily collected balance of $1500	No monthly fee
Debit Transactions	250 transactions* permitted each statement period. $0.30/transaction over 250	Per debit: $0.15	250 transactions* permitted each statement period. $0.30/ transaction over 250	Write up to 10 checks per month $0.15/check thereafter
Credit Transactions		Per deposit: $0.30 Checks Deposited: On-us: $0.05 Local Not On-us: $0.10 Transfer Deposit: $0.30		Make up to 10 deposits per month
Earnings Credit and Interest	Earnings credit does not apply. Account does not earn interest.	Account fees are offset by earnings credit based on available balance minus reserve requirement. Account does not earn interest.	Tiered interest rates apply when average daily balance is over $1,000. Tiers include $1,000-$4,999.99; $5,000-$9,999.99; $10,000 & up.	Tiered interest rates apply when average daily balance is over $1,000. Tiers include $1,000-$4,999.99; $5,000-$9,999.99; $10,000 & up
Uncollected fund usage	Uncollected fund usage is Prime plus 3.00%	Uncollected fund usage is Prime plus 3.00%	Uncollected fund usage is Prime plus 3.00%	Uncollected fund usage is Prime plus 3.00%
*Transactions include deposits, items deposited, checks and debits. Other fees may apply to certain services (e.g. wires)—see Business Fee Schedule.