First National Bank of Wamego : Personal Checking Accounts, ATM and Debit Cards

Our personal checking accounts are designed with your needs in mind. All of our checking accounts come with ATM Cards and Visa Debit Cards, so you don't need to worry about having checks on hand. Online banking and 1st Access (telephone banking) are also included.

	EZ Access	Free Checking	FiftyPlus	Personal Checking	NOW Account	Money Market Investment
* Rates subject to change ** Fees may be applied if an account falls below the minimum required balance.
Amount to Open	$50	$50	$100	$100	$1000	$1000
Online Banking
Monthly Fee	No Monthly Fee	No Monthly Fee	No Monthly Fee	$3.50	No Monthly Fee	No Monthly Fee
A.P.Y.*	—	—	—	—	0.80 %	1.31 % to 2.05 % See details
E-Statements	Required
Per Item Fee	Unlimited Electronic Items 50 cents per paper item	Unlimited Check Writing	Unlimited Check Writing	Unlimited Check Writing	Unlimited Check Writing	Limited check writing See details
Minimum Balance**	$100	No Minimum Balance	No Minimum Balance	No Minimum Balance	$1000 daily balance	$1,000
Check Imaging		—
Other	—	—	At least 50 years old	—	—	Transfer limit - See details

EZ Access Checking

EZ Access is great for those who don’t write very many checks or prefer to use their debit card. EZ Access is great for students.

$100.00 to open
No charge for any electronic items per month
Paper items/checks .50 each
$10.00 monthly maintenance fee if account balance falls below $100.00 minimum balance per cycle
Electronic Monthly Statement (E-Statements)
No fees for any transaction at a First National Bank of Wamego ATM
All First National Bank of Wamego ATM service charges will be waived for transactions at any ATM. All applicable charges from other financial institutions will apply.

Please contact us or visit one of our locations to set up an account or to get more information.

Free Checking

This is our basic option for those who like it simple. Users enjoy unlimited check writing with only a $50 deposit required to open an account. There are no monthly or per item fees and no minimum balance is required.

$50.00 to open
No monthly maintenance fee or per item fees
Unlimited check writing
No minimum balance
First 50 checks after account opening are free
Images are truncated, will not be included with monthly statement (images are included with online banking. E-Statements are available)

Please contact us or visit one of our locations to set up an account or to get more information.

FiftyPlus

FiftyPlus is an economical checking option for those 50 years old or older. With only a $100 deposit required to open an account, there are no monthly maintenance fees and no minimum balance required. Users also receive images with their monthly statement.

$100.00 to open
No monthly maintenance fee
Monthly statement with check imaging (paper or E-Statements)
No minimum balance

Please contact us or visit one of our locations to set up an account or to get more information.

Personal Checking

Personal Checking offers unlimited check writing and includes check images with each monthly statement. This account requires a $100 deposit to open and has a monthly maintenance fee of $3.50.

$100.00 to open
Monthly maintenance fee of $3.50
Unlimited check writing
Monthly statement with check imaging (paper or E-Statements)
No minimum balance requirement

Please contact us or visit one of our locations to set up an account or to get more information.

NOW Account

NOW Account earns interest for those who maintain a $1,000 daily balance. If the account balance falls below the $1,000 minimum balance, a fee of $10 will be charged. This account offers unlimited check writing and images of checks with your monthly statement. There are two interest tiers – one for average daily balances of less than $2,500 and one for average daily balances of $2,500 or more.

$1000.00 to open
A minimum balance fee of $10.00 will be charged if the account balance ever falls below $1000.00 during a statement cycle
Unlimited check writing
The account earns interest based on the average collected daily balance

There are two interest rate tiers:

	Average Daily Balance	A.P.Y.
Tier 1	Less than $2,500	0.80 %
Tier 2	$2,500 or more	0.80 %

Interest is compounded and credited to account every statement cycle
Monthly statement with check imaging (paper or E-Statements)

Please contact us or visit one of our locations to set up an account or to get more information.

Money Market Investment Account

Money Market Investment Account is an interest bearing account for those who maintain a daily balance of at least $1,000. The account earns interest based on the average daily balance. This account allows unlimited transactions by mail or in person, but transfers from this account to another or to third parties by other means is limited to six per statement cycle with no more than three by check, draft, or to third parties. There are four tiers of interest rates, beginning with an average daily balance of less than $50,000, up to an average daily balance of $200,000 or more.

$1,000.00 to open
Earn competitive interest on funds. Still have access to the funds when needed
Unlimited transactions by mail or in person. Transfers from this account to another or to third parties by pre-authorized, automatic, telephone, or computer transfer limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.
The account earns interest based on the average collected daily balance

There are four interest rate tiers:

	Average Daily Balance	A.P.Y.
Tier 1	Less than $50,000	1.31 %
Tier 2	$50,000 or more, but less than $100,000	1.31 % - 1.41 %
Tier 3	$100,000 or more, but less than $200,000	1.41 % - 1.59 %
Tier 4	$200,000 or more	1.59 % - 2.05 %

Interest is compounded and credited to account every statement cycle
Monthly statement with check imaging (paper or E-Statements)
Rate information: At our discretion, we may change interest rates for this account.
- Tier 4 - An interest rate of 4.05 % will be paid only for that portion of your average daily balance that is $200,000.01 or more. The annual percentage yield (APY) for this tier will range from 1.59 % to 2.05 %, depending on the amount of the account.
- Tier 3 - An interest rate of 3.15 % will be paid only for that portion of your average daily balance that is $100,000.01 or more, but less than or equal to $200,000.00. The annual percentage yield (APY) for this tier will range from 1.41 % to 1.59 %, depending on the balance in the account.
- Tier 2 - An interest rate of 2.80 % will be paid only for that portion of your average daily balance that is $50,000.01 or more, but less than or equal to $100,000.00. The annual percentage yield (APY) for this tier will range from 1.31 % to 1.41 %, depending on the balance in the account.
- Tier 1 - An interest rate of 2.35 % will be paid on the entire portion of your average daily balance that is less than $50,000.01. The annual percentage yield (APY) for this tier is 1.31 %. The interest rate(s) and annual percentage yield(s) are accurate as of November 19, 2008 .
The interest rates and annual percentage yields may change at any time.

Please contact us or visit one of our locations to set up an account or to get more information.