Checking Accounts Farmers Trust & Savings Bank

Checking Accounts	Freedom Checking Non-interest bearing	Spirit Checking Non-interest bearing	Super Now Account Interest bearing	Veterans Honor Account Interest bearing
Checking Accounts Minimum Balance to Open	Freedom Checking Non-interest bearing $.01	Spirit Checking Non-interest bearing $.01	Super Now Account Interest bearing $.01	Veterans Honor Account Interest bearing $100
Checking Accounts Monthly Minimum Balance	Freedom Checking Non-interest bearing None	Spirit Checking Non-interest bearing $200 daily balance or $1,000 minimum average daily balance each statement cycle	Super Now Account Interest bearing $500 daily balance or $1,000 minimum average daily balance each statement cycle	Veterans Honor Account Interest bearing $.01
Checking Accounts Monthly Service Charge	Freedom Checking Non-interest bearing None	Spirit Checking Non-interest bearing If minimum balance requirements are not met: $5 fee and $0.15/debit charge	Super Now Account Interest bearing If minimum balance requirements are not met: $8 fee and $0.15/debit charge	Veterans Honor Account Interest bearing None
Checking Accounts Debit Card (Subject to approval by FTSB)	Freedom Checking Non-interest bearing Included Unlimited debit card activity	Spirit Checking Non-interest bearing Included Unlimited debit card activity	Super Now Account Interest bearing Included Unlimited debit card activity	Veterans Honor Account Interest bearing Included Unlimited debit card activity
Checking Accounts Statements	Freedom Checking Non-interest bearing e-Statements required	Spirit Checking Non-interest bearing Paper or e-Statements available	Super Now Account Interest bearing Paper or e-Statements available	Veterans Honor Account Interest bearing Paper or e-Statements available
Checking Accounts Checks	Freedom Checking Non-interest bearing Unlimited check writing First box of checks included	Spirit Checking Non-interest bearing Unlimited check writing	Super Now Account Interest bearing Unlimited check writing	Veterans Honor Account Interest bearing Unlimited check writing First box of checks included, $5 off after first box
Checking Accounts Additional Details	Freedom Checking Non-interest bearing N/A	Spirit Checking Non-interest bearing $2 minimum balance fee for students 22 and under and seniors 62 and older Non-profits are eligible for one account with no monthly service charge Available to corporations & small businesses	Super Now Account Interest bearing N/A	Veterans Honor Account Interest bearing Earn .15% above posted CD rates $5 off annual safe deposit box. A $10 donation will be made to the VFW, American Legion, Auxiliary, Iowa Veterans Trust, Hunting with Heroes or FAVA upon opening; a donation will be made yearly to the same organization in the amount of $2 for every $1,000 average balance Identity theft insurance included - $5,000 per account*

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