First & Farmers National Bank's FREEDOM Suite of Accounts gives you the freedom to bank when, where and how you choose! If you are a stone that gathers moss or a real mover and shaker, we have the products and services to make banking easy for you! All of our checking accounts may be opened with as little as $100.00.

With any of our FREEDOM Suite checking accounts, holders may enjoy the benefits and flexibility of these convenient services: A free ATM or VISA® Debit Card, FREE Online Banking and Bill Pay, VIP Access Line telephone banking, and FREEDOM Banking mobile services.

FREEDOM Choice Checking
Our most popular checking account is packed with great banking services and money saving benefits.

• FREE Club Checks and Discounts on Additional Styles
• $10,000 Accidental Death Insurance
• $35,000 Scheduled Airline Coverage
• $2,500 Identity Theft Protection - Restoring your name and good credit can be time consuming and expensive. This plan will cover expenses incurred in the recovery of a stolen identity.
• 3-in-1 Credit File Monitoring - Protect your identity by receiving daily automated alerts of key changes to Equifax, TransUnion, and Experian credit reports.
• FREE Cash Back Member Rewards - Earn 10% cash back on everyday purchases such as groceries, gas, household supplies, entertainment. Save your receipts and submit quarterly for annual cash back up to $40 per year.
• Discounts on Movie Tickets and Theme Parks - Get tickets in advance to avoid lines, and enjoy savings of up to 40% on tickets.
• FREE Official Checks, up to 4 per month
• No monthly minimum balance requirement
• All of these great benefits for only $8.00 per month!

FREEDOM Choice Plus Checking
For those age 55 years of age or better, receive ALL the valuable benefits of FREEDOM Choice checking plus earn interest on every penny in your account at a discounted club fee of only $6.00 per month.

Visit FREEDOM Choice/Plus Benefits under the Helpful Links section to read about more great benefits.

FREEDOM Glory Checking
Our no-frills checking account offers convenience and affordability! By maintaining a minimum daily balance of $500, you can avoid the monthly service charge of $3.00. Save $1.00 of the service charge by signing up for online statements through online banking. To show our appreciation for our loyal customers age 70 or better, all service charge and minimum balance requirements are waived!

First Class FREEDOM Checking
Full or part-time students age 23 or younger can enjoy these benefits:

• No Monthly service charge or balance requirement
• FREE first order of checks - Choose from specially designed area high school or college logo checks.
• FREE Online Banking and Bill Pay
• FREEDOM Banking Mobile Banking Services - FREE!
• No FFNB Foreign ATM Fees†
• Discount on loan rates
• "Got Your Back" card valued at $25 for other banking services

First Class FREEDOM is available to students ages 12 - 23, and allows you the freedom to focus on studies, and bank when it's convenient. The FFNB Foreign ATM fee is waived, but you may incur charges from the bank that owns the ATM machine. You are required to provide proof of student status annually, prior to September 1. Stop by to open your First Class FREEDOM account today.

FREEDOM Now Checking
If you typically maintain a checking balance of $1,000, a FREEDOM Now checking account may fit you best. Interest is earned on all balances over $1,000. Should the account fall below $1,000 throughout the month, the account will incur a $7.00 monthly service charge. For more information regarding the current rate on a FREEDOM Now account, contact your local FFNB Branch.

FREEDOM Super Now Checking
Our FREEDOM Super Now Checking account acts like an investment account but offers the convenience of unlimited check writing. With a minimum daily balance of only $2,500 you avoid a $10.00 monthly service charge. Interest is earned on balances above $1,000, and balances greater than $2,500 earn a better rate.

Round Up Savings
Round Up Savings is a quick and easy way to save a lot more money than you ever expected and can help you reach your saving goals a lot faster than you ever imagined. The Round Up Savings program is a free service provided by First & Farmers National Bank. To sign up for the program you must have a First & Farmers checking account, debit card, and savings account. Here's how it works:

• Use your First & Farmers Debit Card* to make purchases - pay for gas, groceries, or just about anything.
• We'll automatically "round up" the transaction amount to the nearest dollar.
• The "rounded up" amount will be deposited into your First & Farmers savings account.

Just stop by any of our convenient offices and ask any of our Customer Service Representatives to sign you up for Round Up Savings today!

*Applies to Debit Card purchases only. Accounts will not round up if the checking account does not have sufficient available funds. Signature is required to sign up or to cancel this service.