First Checking:

• $50.00 minimum deposit to open
• No monthly service charge
• No minimum balance required
• Imaged Statement
• World-wide ATM network (at no charge)
• Online banking with bill pay (at no charge)
• MasterMoney Debit/ATM card (at no charge)
• First order of standard checks-FREE! (or credit toward checks of your choice)

First Premier Checking:

Interest earned based on account balance:

• $.01-$9,999.99
• $10,000.00-$24,999.99
• $25,000.00-$49,999.99
• $50,000.00-$99,999.99
• $100,000.00 and Above

Rates based on current market conditions

• $100.00 minimum deposit to open
• $15.00 monthly service charge if balance falls below $1,000.00
• No annual fee First Citizens Bank of Georgia Visa/MasterCard credit card
• World-wide ATM network (at no charge)
• Online banking with bill pay (at no charge)
• Imaged statement
• Official checks (at no charge)
• First order of standard checks-FREE! (or credit toward checks of your choice)

Golden Citizens Checking:

Interest earned based on account balance

• $.01-$9,999.99
• $10,000.00-$24,999.99
• $25,000.00-$49,999.99
• $50,000.00-$100,000.00
• $100,000.00 and above

Rates based on market conditions

• $100.00 minimum deposit to open
• No minimum balance required
• No annual fee First Citizens Bank of Georgia Visa/MasterCard credit card
• World-wide ATM network (at no charge)
• Online banking with bill pay (at no charge)
• Imaged statement
• Official checks (at no charge)
• Standard Checks are FREE! (or credit toward checks of your choice)
• Travelers Checks (at no charge)

First Savings:

• $25.00 minimum deposit to open
• Minimum balance $300.00 to avoid $4.00 monthly service charge
• Six withdrawals allowed per quarter (at no charge)

$1/withdrawal over allowance of six

Young Citizens Savings:

• $25.00 minimum deposit to open
• No monthly service charge for 22 years of age or younger
• Six withdrawals allowed per quarter (at no charge)

$1/withdrawal over allowance of six

First Investment Account:

Interest earned based on account balance

• $.01-$9,999.99
• $10,000.00-$24,999.99
• $25,000.00-$49,999.99
• $50,000.00-$99,999.99
• $100,000.00 and above

Rates based on current market conditions

• $500.00 minimum deposit to open
• $15.00 monthly service charge if balance falls below $1,000.00
• Imaged statement
• Six withdrawals per statement cycle at no charge
• $10.00 for each withdrawal over the allowance of six

Online Banking and Bill Pay

• www.firstcitizensbankofga.com
• With online Banking, you can access your accounts 24 hours a day from anywhere in the world with internet capability. Our Online Banking is designed with state of the art fire walls to ensure your account confidentiality, with access gained only through the use of a Personal Identification Number (PIN) which you create and control. Additionally, with Online Banking, you can access account information, inquire on your accounts and loans, make transfers, and more, all with the click of a mouse! Online Bill Pay is also provided at no additional charge. Just think... NO MORE writing checks or paying postage.

Telephone Banking

• 1-866-541-1958
• Review interest rates or access your accounts any time of the day, any day of the week, using your touch tone telephone. While accessing your account information on the telephone, you can inquire on your deposit accounts and loans, make transfers and much more! There are no fees for this service. All you need is your account access number, your PIN, and a touchtone telephone. Sign up today and begin enjoying FREE access to your accounts 24 hours a day.

Other Fees and Charges

Additional Benefits with a First Citizens Bank of Georgia checking account:

• 25% off annual Safe Deposit Box
• Notary Service at no charge
• .15% reduction on all fixed rate loans with First Citizens Bank of Georgia (excluding 1st mortgage residential loans and home equity lines of credit)
• .10% increase on all CD rates

.10% reduction on all loans with automatic debited payments (excluding 1st mortgage residential loans and home equity lines of credit)