Personal Checking Accounts: First Direct Checking

Minimum to Open	$100
Balance to Avoid Maintenance Fee	N/A
Monthly Maintenance Fee (if balance is not maintained)	$5 or waived with one direct deposit into this account per month
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	No monthly maintenance fee with one direct deposit into this account per month Unlimited check writing No minimum balance or compensating balance required ATM card available Apply for your Visa Debit Card today- $1 per month fee, $300 balance required to apply Free email statements Free Consumer Internet Banking
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. Contact the customer service representative at the office nearest you or call In-Touch 24 (1-800-869-9456) for the current annual percentage yields, fees, and other information concerning our accounts. For a complete account disclosure, please visit one of our branch office locations or contact customer service.