Consumer Accounts

Checking Options

Details	EChecking	Pioneer Checking	Regular Checking	Student Account	Senior Checking (Age 62+)	NOW Account	Texas Tradition
Minimum To Open	$100	$100	$200	$100	$100	$200	$200
Monthly Service Charge	$8	$5	$8	$5	$0	$12	$15
Monthly Service Charge Waived For	20+ debit card transactions monthly	N/A	$500 Balance	Documentation of students 18 or older taking 12 or more hours	N/A	$1,000 Balance	$5,000 Balance (all personal checking, savings & MMKT’s combined)
Paper Statements	Not offered with this account. Automatic enrollment in E-Statements	$3,waived with E-Statements	$3, waived with E-Statements	$3,waived with E-Statements or documentation	No Charge	No Charge	No Charge
Interest Earned	No	No	No	No	No	*Yes	*Yes
Additional Information	Checks are not provided with this account free of charge	First starter pack of wallet bank stock checks provided at no charge	First starter pack of wallet bank stock checks provided at no charge	First starter pack of wallet bank stock checks provided at no charge	One super pack of wallet bank stock checks provided annually at no charge	First starter pack of wallet bank stock checks provided at no charge	Free domestic wire transfers, money orders, startup checks, cashier’s checks, notary & medallion stamp guarantee, customized cards and all FNB ATM fees are waived

*Balance requirements must be met in order to receive interest

Details	Regular Savings	Money Market	First Star Money Market
Monthly Service Charge	$5	$10	$20
Balance To Avoid Service Charge	$100	$2,500	$10,000
Interest	Yes	Yes	Yes
Paper Statements	Quarterly Statements	Monthly Imaged Statements	Monthly Imaged Statements
Opening Deposit	$50	$2,500	$2,500