Personal Checking Accounts

Decatur First Bank gives you a choice of several affordable checking accounts. Each account has been specially designed to meet a variety of needs. Our checking accounts reflect our commitment to value. All of our checking accounts come with the added benefits of:

• ATM access
• No charge for Internet Access and Bill Pay
• Automatic Savings Transfers
• Bank by Mail
• Imaged Statements
• Combined checking and savings statements available
• Direct Deposit services
• Overdraft protection available from your other DDA/Savings accounts or established line of credit

Select the checking account that is best for you!

Regular Checking
Our Regular Checking Account offers you unlimited check writing privileges and requires a minimum opening deposit of $100. The balance maintained in the account determines the amount of service charge, if any.

• No maintenance fee with a:
  • $500 minimum daily balance or $1,500 average daily balance
• $12.00 maintenance fee if applicable
• No per debit charges

Interest Checking
Let your money work for you by earning interest with Decatur First Bank's competitive Interest Checking Account. With a minimum opening deposit of $100, you can enjoy all the benefits of our Interest Checking Account. The balance maintained in the account determines the amount of service charge, if any.

Interest Checking features include:

• No maintenance fee with a:
  $1,000 minimum daily balance or $2,000 average daily balance
• $14.00 maintenance fee if applicable
• No per debit charges
• Interest compounded daily on collected balances of $1,000 or more
• Interest will be credited to your account monthly

Bonus 50 Checking
Decatur First's Bonus 50 Checking Account offers all the features of our Interest Checking Account, but with no maintenance fee. You must be age 50 and up to qualify.

• No minimum balance required
• Requires a minimum opening deposit of $100.00
• Unlimited check writing
• No per debit charges
• Free personalized Bonus 50 Club checks (or $5.00 discount on designer checks)
• Interest compounded daily on collected balances of $1,000 or more
• Interest credited to your account monthly
• Complimentary Notary service
• Free Money Orders/Official Checks
• Free (one signature) Traveler's Checks

Free Checking

This account appeals to individuals who prefer fewer restrictions on their banking and would rather have statements presented to them electronically rather than by mail.

• Minimum opening deposit of $100.00
• No minimum balance requirements
• Unlimited check writing
• E-vue statement
• ATM/Debit card available

Saving for the future or for a special purchase is an important part of your personal financial planning. Decatur First Bank offers several options to assist you in reaching financial goals including short-term and long-term investments.

Statement Savings Account
With a minimum opening deposit of $50 the Statement Savings Account, paying a competitive rate of interest, may be established,

• No monthly maintenance fee if the balance remains above $200
• Monthly maintenance fee of $7.00 will be charged if the balance falls below $200 on any day of the month
• A debit charge fee of $5.00 will be charged for each withdrawal in excess of three (3) per month
• Interest compounded daily and credited to your account monthly
• Unlimited deposits

Looney Tune™ Savings Club and New Horizons Savings Club
At Decatur First, we think it is important to promote financial responsibility even at a young age. That is why we have developed a series of special savings accounts just for children. The only requirements are a twenty five dollar ($25.00) minimum deposit to open the account and the child must be under 18 years of age!

Younger children, ages birth to 12 enjoy savings with the Looney Tune Savings™ Club. Older children up to age 18 become members of the New Horizons Savings Club.

Features of the Savings Clubs include:

• Same interest rate as the Statement Savings Account
• Three withdrawals per month, additional withdrawals are $5.00
• No monthly service charge unless the balance goes below $25.00 then the service charge will be $1.00 per month
• Interest compounded daily and credited monthly
• Unlimited deposits

Personal Money Market Account
A minimum deposit of $1,000 will open a Personal Money Market Account which earns a competitive rate of interest. Federal regulations limit third party or preauthorized transfers to six per statement cycle, of which only three may be made by check or draft. A fee of $12.00 will be charged for each withdrawal in excess of six or third party transactions in excess of three during a statement cycle.

• No maintenance fee with a $1,000 minimum daily balance
• $12.00 maintenance fee if applicable
• Interest will be compounded daily on collected balances of $1,000 or more
• Interest will be credited to your account monthly

The Personal Money Market Account is tiered to reward higher balances with a premium rate of interest.

• Tier I - $1,000 to $9,999.99
• Tier II - $10,000 to $49,999.99
• Tier III - $50,000 and up

DFB Premium Money Market Account
A minimum opening deposit of $15,000 is required to open a personal DFB Premium Money Market account. Federal regulations limit third party or preauthorized transfers to six per statement cycle, of which only three may be made by check or draft. A fee of $12.00 will be charged for each withdrawal in excess of six or third party transactions in excess of three during a statement cycle.

• Competitive Interest Rates
• No monthly maintenance fee with a $15,000.00 minimum daily balance
• $12.00 maintenance fee if applicable
• Interest will be credited to your account monthly
• No interest will be paid if your balance is below $15,000.00

The DFB Premium Money Market Account is tiered to reward higher balances with a premium rate of interest.

• Tier I - $15,000 to $99,999.99
• Tier II - $100,000 to $499,999.99
• Tier III - $500,000 to $2,000,000.00

Certificate of Deposit
For longer term investments with higher yields, open a Certificate of Deposit. You may purchase a Certificate of Deposit for as little as $500 for a specific period of time. Rates vary according to the term selected, and you choose when interest is paid: monthly, quarterly, semi-annually or at maturity. Certificates of Deposit are subject to a penalty for early withdrawal.

• Terms range from three (3) months to sixty (60) months.
• Competitive rate of interest
• Automatic certificate renewal
• Certificates may be used as collateral on loans
• Interest may be reinvested, deposited to another DFB account, or paid by check

Individual Retirement Accounts (IRA)
An IRA is a convenient savings program that allows money to be set aside for retirement. Withdrawals from an IRA may be made without penalty after reaching age 59 ˝. A substantial interest penalty, as required by law, is charged for early withdrawals from an IRA prior to age 59 ˝.

Choose any of our IRA options for six (6) months to sixty (60) months with a minimum opening deposit of $500.

Education IRAs are available! If the funds are properly distributed for qualified higher education expenses. Education IRA earnings grow tax free!

Interest rates on all IRAs vary according to the term selected.

Special Services

Automatic Teller Machine (ATM) Access Card
As a Decatur First Bank checking customer, you will be eligible to receive a free ATM access card. With this card you may access your cash 24 hours a day at any ATM machine. The first ten (10) transactions each statement cycle are free. Any charges assessed by host ATMs will automatically be credited to your account each month. For additional transactions, over the 10 free, you will be charged only the host fee.

Bank By Mail
You may Bank By Mail making Decatur First Bank as close as your mailbox! Enjoy the convenience of banking without a trip to the bank. You may verify your deposit through On-Call Banking (no receipt will be mailed).

Debit Card
At Decatur First Bank you have the choice of making your ATM Card a debit card by requesting the Visa Debit Card. The debit card looks like a credit card but works like a check. You may use your Visa Debit Card at ATMs to get cash and everywhere you see the Visa logo to make purchases. The money comes right out of your checking account and all your purchases are itemized on your monthly statements. The Visa Debit Card eliminates the hassles of writing a check. Get a Visa Debit Card and enjoy the convenience of world-wide acceptance.

Direct Deposit
With the convenience of Direct Deposit you can have access to your money sooner by having your payroll or Social Security check deposited directly into your account. It's safe, simple, and worry-free.

Drive Up Teller Windows
Designed for fast and efficient service, our drive up window can handle your everyday deposit and withdrawal needs with the exception of rolled coin.

Night Depository
For making deposits after regular banking hours, our night depository is safe and convenient.

Call-in Banking
Call-in Banking is Decatur First Bank's automated banking system. Call-in is available 24 hours a day, seven days a week! All you need is a touchtone phone. You may inquire about your accounts and even make transfers between accounts.

Safe Deposit Boxes
Safe Deposit Boxes provide a secure storage place for your valuables. We offer various size boxes to meet individual requirements. The annual rental fee is based on box size. Box rentals are based upon availability.

U.S. Savings Bonds
Decatur First Bank is a registered agent and can order or redeem U.S. Savings Bonds for you.

Visa/MasterCard Credit Cards
Enjoy the benefits of world wide acceptance, cash advances, and convenience checks. Decatur First Bank offers both Visa and MasterCard to qualifying customers.