Landmark Checking

Landmark Checking is an account that rewards you for maintaining higher deposit balances with the bank. This account will pay the bank’s current premium interest rate on account deposits*

• Minimum deposit to open – $100
• A Maintenance Fee of $17 will be imposed every statement cycle unless any of the following requirements are met:
  - minimum daily balance of $10,000 or more in this account; or
  - average available balance of $20,000 or more in this account or in any combination of personal deposit accounts or certificate of deposit; or
  - an outstanding balance of $10,000 or more in personal loan accounts
• Unlimited transactions
• Free basic checks
• Free Check Card (Upon approval)
• No ATM charges for First Landmark, Presto, or Allpoint ATMs.  All other ATM fees imposed will be waived up to (5) five per account per statement cycle
• On-Line Banking available at no cost for account inquiries and transfers between accounts
• On-Line Bill Pay available.  If Bill Pay is inactive for more than 90 days, a $5.95 fee will be assessed for each month the Bill Pay service is inactive
• People-to-People money transfers (Popmoney) available within On-Line Bill Pay. Each transaction will assess a $.50 personal payment transaction fee which is debited from your account. Transaction and dollar limitations may apply
• Interest is calculated using the daily balance method by applying a daily periodic rate to the principal balance in the account each day. Interest is compounded daily and credited monthly
• No fee for Landmark Account checks; 50% discount on other check styles
• Bonus interest rate paid on Certificates of Deposit with a minimum one-year maturity (not available on promotional rate CDs)
• Free Cashiers Checks and Gift Cards
• Free Notary Service
• No minimum balance required to earn interest
• Printed Statements are provided monthly; electronic statements available

*Tiered interest rates based on account balances are subject to change without notice.  Tier structure is as follows:

$0.01 – $2,500.00
$2,500.01 – $10,000.00
$10,000.01 – $25,000.00
$25,000.01 and over

Free Checking

• Minimum deposit to open – $100
• No minimum balance requirement
• No monthly maintenance fee
• Unlimited transactions
• Free Check Card (Upon approval)
• No ATM charges for First Landmark, Presto, or Allpoint ATMs.  All other ATM fees imposed will be waived up to (5) five per account per statement cycle
• On-Line Banking available at no cost for account inquiries and transfers between accounts
• On-Line Bill Pay available.  If Bill Pay is inactive for more than 90 days, a $5.95 fee will be assessed for each month the bill pay service is inactive
• People-to-People money transfers (Popmoney) available within On-Line Bill Pay. Each transaction will assess a $.50 personal payment transaction fee which is debited from your account. Transaction and dollar limitations may apply
• No interest paid on this account
• Printed statements provided monthly; electronic statements available
• Pursuant to the Dodd-Frank Act, temporary unlimited deposit insurance coverage for this noninterest-bearing transaction account expired on December 31, 2012. This account is insured by the FDIC at the same level afforded to all deposit accounts in FDIC member banks.  For more information regarding this change, please visit the FDIC website at www.fdic.gov.

Personal Interest Checking

• Minimum deposit to open – $100
• A Maintenance Fee of $12 will be imposed every statement cycle if the minimum daily balance falls below $1,000 or if the average available balance falls below $2,500 during the statement cycle
• Unlimited transactions
• No minimum balance required to earn interest
• Free Check Card (Upon approval)
• No ATM charges for First Landmark, Presto, or Allpoint ATMs.  All other ATM fees imposed will be waived up to (5) five per account per statement cycle
• On-Line Banking available at no cost for account inquiries and transfers between accounts
• On-Line Bill Pay available. If Bill Pay is inactive for more than 90 days, a $5.95 fee will be assessed for each month the bill pay service is inactive
• People-to-People money transfers (Popmoney) available within On-Line Bill Pay. Each transaction will assess a $.50 personal payment transaction fee which is debited from your account. Transaction and dollar limitations may apply
• Interest is calculated using the daily balance method by applying a daily periodic rate to the principal balance in the account each day. Interest is compounded daily and credited monthly
• Printed Statements are provided monthly; electronic statements available
• Tiered interest rates based on account balances are subject to change without notice
  $0.01 – $2,500.00
  $2,500.01 – $10,000.00
  $10,000.01 – $25,000.00
  $25,000.01 and over

Landmark Fifty

An account designed for age 50 and above that offers special benefits.

• Minimum deposit to open – $100
• No minimum balance requirement
• No minimum balance required to earn interest
• No monthly maintenance fee
• Unlimited transactions
• Free Check Card (Upon Approval)
• No ATM charges for First Landmark, Presto, or Allpoint ATMs.  All other ATM fees imposed will be waived up to (5) five per account per statement cycle
• On-Line Banking available at no cost for account inquiries and transfers between accounts
• On-Line Bill Pay available. If Bill Pay is inactive for more than 90 days, a $5.95 fee will be assessed for each month the bill pay service is inactive
• People-to-People money transfers (Popmoney) available within On-Line Bill Pay. Each transaction will assess a $.50 personal payment transaction fee which is debited from your account. Transaction and dollar limitations may apply
• Free basic checks
• Bonus interest rate paid on Certificates of Deposit with a minimum one-year maturity (not available on promotional CD rates)
• Free Cashiers Checks and Gift Cards
• Free Notary Service
• Interest is calculated using the daily balance method by applying a daily periodic rate to the principal balance in the account each day. Interest is compounded daily and credited monthly
• Printed Statements are provided monthly; electronic statements available
• Tiered interest rates based on account balances are subject to change without notice

$0.01 – $2,500.00
$2,500.01 – $10,000.00
$10,000.01 – $25,000.00
$25,000.01 and over

The minimum daily balance referenced in this schedule is the current daily ledger balance less the amount of any checks deposited that are in the process of being collected. The average available balance is calculated by adding the collected balance for each day of the statement period and dividing that figure by the number of days in the statement period.