¹ Internal transfers from other FNBT/FCB/FHNB accounts, Internet Banking transfers, and refunds from the Bank do not qualify as deposits for waiving the Monthly Maintenance Fee.

² Maintain a balance of $500 or more each day.

³ Complete at least twelve (12) debit card purchases that reflect on your monthly statement (ATM transactions excluded).

⁴ For accounts opened with FNBT/FCB maintain an open and active FNBT/FCB Checking Account other than a Power Stash; For accounts opened with FHNB maintain an open and active FHNB Checking Account other than a Power Stash.

⁵ Maintain a balance of $20 or more each day.

⁶ One (1) debit per statement cycle at no charge. Beginning with the second (2nd) debit, a $3.50 per Item Withdrawal Fee will be charged at the end of the statement cycle.

⁷ Have a monthly recurring Direct Deposit transaction of $5 or more via ACH post to your account.

⁸ FNBT/FCB transfers to FHNB accounts or FHNB transfers to FNBT/FCB accounts do not qualify.

⁹ Maintain a balance of $2,500 or more each day.

¹⁰ Six (6) debits per statement cycle at no charge. Beginning with the seventh (7th) debit, a $10.00 per Item Withdrawal Fee will be charged at the end of the statement cycle.

All accounts subject to Non-Sufficient Funds (NSF) Fee of $17 per Item and Overdraft Fee of $34 per Item, except for the eAccount, Flex Account, and Power Stash.