1st National Bank of South Florida

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Personal Banking - Checking

1st Direct Checking

NO monthly maintenance fee, NO minimum balance fee and NO per check fees are associated with this account as long as an electronic direct deposit is made to the account monthly and the customer signs up for our Free online banking service.**

	Free Online Banking Monitor your account activity daily, view your checks online up to 90 days, make loan payments and transfer funds between accounts.
	Free Online Bill Pay Pay your bills, on time, online. Schedule recurring payments up to a year in advance. View your account activity and bill payments any time online. One Bill Pay Account with unlimited usage is Free per account.
	Free ATM/Visa Check Card No ATM terminal fees incurred at 1st NBSF and Presto ATMs. No transaction fee for use of foreign ATMs*
	1st Phone Banker You can access your account information 24 hours a day, and make Free fund transfers between accounts via your telephone.
	Free Notary Service 1st National Bank offers a FREE notary service and FREE photocopying of important banking documents for account holders.

**If the direct deposit is cancelled, the account will be changed to an "All Service Checking" account with all the requirements, charges and fees associated with the "All Service Checking" account.

* ATM terminal fees may be imposed at other ATMs as disclosed on the ATM. Additional charges will not be imposed by 1st NBSF.