Personal Checking Accounts: First Choice Checking

Minimum to Open	$500
Balance to Avoid Maintenance Fee	$1,000 average daily balance in your combined personal deposit accounts at FNBCF.
Monthly Maintenance Fee (if balance is not maintained)	$10
Interest Rate / Interest Payment	NONE
In-Touch 24 Customer Service	Per Inquiry: $1 automated (3 free) $2 operator assisted
Overdraft Protection Personal Reserve Account (available upon credit approval)	Personal ReserveAccount (available upon credit approval)
Early Account Closing Fee (if closed within 6 months)	$30
Account Features & Benefits	Unlimited check writing No monthly maintenance fee when compensating balance is maintained ATM card available Apply for your Visa Debit Card today - $1 per month fee
Other Information	First National Bank of Central Florida is a member of the Federal Deposit Insurance Corporation ("FDIC"). All deposit accounts are FDIC insured for your protection. Your deposits are insured up to $100,000 by the FDIC. Customers choose their bank statements to be sent by email, paper copy or CD Rom. Under Balance to Avoid Maintenance Fee, the average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. For a complete account disclosure, please visit one of our branch office locations or contact customer service.