• Common Sense Checking
• Basic Checking
• Freedom Checking
• NOW Accounts
• Money Market Accounts
• Second Century Money Market Accounts
• High Cotton Accounts

common sense
          CHECKING

Banking Convenience for your busy lifestyle. Increase your buying power, security and convenience with these money saving benefits:

• Free personalized checks.
• Free Bill Pay
• Issue of two free Money Orders or Cashiers checks per visit.
• Travelers Checks with no issue fee.
• Unlimited Checking.
• $100 minimum to open.
• No per check charge.
• Interest on checking, earn interest with balances of $1,000 per day.
• $10,000 Accidental Death Insurance for Plan I - $9.00/month, 55+ $4.00/month.
• $30,000 Accidental Death Insurance for Plan II - $11.00/month, 55+ $6.00/month.
• Enhanced Accidental Death Insurance – 5% Increase If you are wearing a seatbelt during an accident
• Credit Card Protection.
• Discount Book for theme parks, car rental, hotels, etc.
• Soujourns Magazine Subscription.
• 25% discount on safe deposit boxes.
• Shoppers advantage.
• Grocery Coupons.
• Diners Advantage.
• Keyring Protection.
• Luggage Protection.
• Free Notary Service.
• Bank-by-Mail.
• Receive “Imaged Checks” in statement each month.
• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.*

* Subject to credit approval

basic
          CHECKING

Our Basic Checking Account is packed with benefits to reward you for keeping higher balances or having multiple account relationships with The Bank of Fayette County.

Benefits:

• No per check charge
• Minimum balance to open is $100.00
• Receive “Imaged Checks” in statement each month
• “Cashier Line” Telephone Banking
• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.*
• Minimum balance to avoid service charge- $500.00
• $9.00 Low Balance Maintenance Fee

* Subject to credit approval

freedom
          CHECKING

Our Freedom Checking account offers you all of the banking services you will ever need for free.

Benefits:

• No monthly service charge
• Unlimited check writing
• Receive “Imaged Checks” in statement each month
• “Cashier Line” telephone banking
• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.*
• No minimum balance requirements
• Free initial order of checks upon opening the account

* Subject to credit approval.

now
          ACCOUNTS

Benefits:

• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.* (no more than two signers on account).
• Minimum balance to avoid service charge- $1,000
• No limit on withdrawals
• $1,000 minimum to open
• Interest bearing account
• $9 low balance maintenance fee
• Receive “Imaged Checks” statement each month
• “Cashier Line” telephone banking

* Subject to credit approval

money market
          ACCOUNTS

Our Money Market Accounts are designed for those who want access to competitive rates and have immediate access to all of their accounts.

Benefits:

• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.* (no more than two signers on account).
• Minimum balance to avoid service charge- $2,000
• $2,000 minimum to open
• Interest bearing account
• $11 low balance maintenance fee
• Receive “Imaged Checks” statement each month
• “Cashier Line” telephone banking

* Subject to credit approval

Withdrawals limited by Federal Law to 6 per month. Excessive withdrawals may require that the account be closed.

Second Century Money Market
          ACCOUNTS

Our Money Market Accounts are designed for those who want access to competitive rates and have immediate access to all of their accounts.

Benefits:

• Innovative Money Market Account tied to prime
• Minimum balance to avoid service charge- $125,000
• 6 free withdrawals per month/$8.00 per withdrawal thereafter
• $125,000 minimum to open
• Interest compounded monthly
• Interest rate is Prime minus 3.45
• Interest rate if balance falls below $125,000 any day of the cycle is 1.50-1.51% APY
• Receive "Imaged Checks" statement each month
• "Cashier Line" telephone banking
• Free checks
• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.* (no more than two signers on account).

* Subject to credit approval
** As published in the Wall Street Journal

Withdrawals limited by Federal Law to 6 per month and of those withdrawals only three of them may be by check, draft, debit card, check card or similar order made by the depositor and payable to a third party. Excessive withdrawals may require that the account be closed.

high cotton
          ACCOUNTS

For individuals that maintain larger deposit balances and will benefit from an account which the interest date adjusts with prime.

Benefits:

• Innovative Money Market Account tied to prime
• Minimum balance to avoid service charge- $10,000
• 6 free withdrawals per month/$8.00 per withdrawal thereafter
• $10,000 minimum to open
• Interest compounded monthly
  • $10,000-$49,999- 39% of prime **
  • $50,000-$99,999- 42% of prime **
  • $100,000 or more- 48% of prime **
• $18.50 low balance maintenance fee
• Receive “Imaged Checks” statement each month
• “Cashier Line” telephone banking
• Free checks
• Unlimited ATM access with no fees from The Bank of Fayette County. Fees may be charged by the owner of the ATM.* (no more than two signers on account).

* Subject to credit approval
** As published in the Wall Street Journal

Withdrawals limited by Federal Law to 6 per month. Excessive withdrawals may require that the account be closed.