First State Bank of Warner

	Personal Savings Account
	The Passbook Savings account allows you to perform over-the-counter transactions with your passbook at any First State Bank of Warner office. Just present your Passbook with your deposit or withdrawal slip and your transaction and balance wil be updated and printed in your passbook. It's a great way to see your savings grow with each printed update.

	Money Market Savings Account
	If you don’t want to “tie up” your money into a certificate of deposit, but you want to earn a higher interest rate than a passbook savings account, then our Money Market Account is for you. Our Money Market allows you to earn a higher interest rate while still having the accessibility to your funds when needed. See our listing below for details.

Savings Accounts
	Passbook Savings for Minors (17 or less)*	Passbook Savings*	Money Market Savings*
Min. to Open	$5.00	$5.00	$1000.00
Monthly Service Charge	None	$1.00 if your balance falls below $200	$7.50 if your average daily balance falls below $1,000
Interest	Yes	Yes	Yes
Check Access	None	None	3 checks per month
Statement Frequency	Quarterly***	Quarterly***	Monthly
Transaction Limitations	Six (6)**	Six (6)**	Six (6)**
Additional Features	Free Internet Banking Free Phone Banking	Free Internet Banking Free Phone Banking	Free Internet Banking Free Phone Banking

*Interest earned with required balance. All rates set by management and are subject to change without notice. For account regulations and restrictions, please consult an account representative. Applicable maintenance/service fees may reduce earnings. Interest Rates are subject to change at any time.

**Federal regulations limit telephone, automatic pre-authorized transfers, and Internet transfers to six (6) per statement period, with no more than three (3) by third-party check, draft, debit card, or similar order.

***Monthly with electronic funds transfers, which include ATM transactions.

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