Account Disclosures

Personal

Checking

Simply Free checking

First Home Bank does not charge a fee for the use of Mobile Banking or Mobile Deposit. If you do not already have a data plan with your wireless service provider, normal rates will apply.

All instant issue debit cards are Subject to approval

**First Home Bank does not charge a fee for the use of Online Banking or Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-First Home Bank accounts.

Advantage Interest Checking

First Home Bank does not charge a fee for the use of Mobile Banking or Mobile Deposit. If you do not already have a data plan with your wireless service provider, normal rates will apply.

All instant issue debit cards are Subject to approval

**First Home Bank does not charge a fee for the use of Online Banking or Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-First Home Bank accounts.

TrendSetters Club Checking

*First Home Bank does not charge a fee for the use of Online Banking, Bill Pay, Mobile Banking or Mobile Deposit. If you do not already have a data plan with your wireless service provider, normal rates will apply. Fees may apply for certain transactions like expedited payments and transfers to non-First Home Bank accounts.

Small safe deposit boxes are subject to availability. After the first year, a 25% discount on rate will apply.

All Visa Debit Cards are subject to approval

ATM fees may be imposed by other financial institutions or networks.

NuStart Checking

*First Home Bank does not charge a fee for the use of Mobile Banking or Mobile Deposit. If you do not already have a data plan with your wireless service provider, normal rates will apply.

Debit Cards are subject to approval

***First Home Bank does not charge a fee for the use of Online Banking or Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-First Home Bank accounts.

Savings and Money Market

Personal Money Market

*According to federal law, transfers from this account to another account or to a third party by pre-authorized, automatic, or telephone transfer are limited to six per month. If the transaction limit is exceeded three times in any 12-month period, the account will be changed to one that does not have transaction limitations.

Statement Savings

*According to federal law, transfers from this account to another account or to a third party by pre-authorized, automatic, or telephone transfer are limited to six per monthly statement cycle. If the transaction limit is exceeded three times in any 12-month period, the account will be changed to one that does not have transaction limitations.**First Home Bank does not charge a fee for the use of Mobile Banking or Online Banking. If you do not already have a data plan with your wireless service provider, normal rates will apply.

TrendSetters Club Savings

*According to federal law, transfers from this account to another account or to a third party by pre-authorized, automatic, or telephone transfer are limited to six per month. If the transaction limit is exceeded three times in any 12-month period, the account will be changed to one that does not have transaction limitations

Cash Kids Club

* Cash Kids Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $500.00 or less, the interest rate paid on the entire balance will be 4.92% with an annual percentage yield of 5.01%. An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $500.00. The annual percentage yield for this tier will range from 5.01% to 5.39%, depending on the balance in the account. (APY calculations are based on a total deposit balance of $10,000.) Rate is effective as of 2/26/2019. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees could reduce earnings.

** Third party data and text messaging charges and/or internet services may apply. Please contact your provider for details.

***You may make six (6) withdrawals/transfers from your account each month, by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. The methods of account access vary by product type, and certain account access methods may not be available with all products. Limited to one Cash Kids Club Savings account per child. At the age of thirteen (13), the account will be converted to a Regular Savings account, and will be assessed a $3.00 service charge if the balance falls below $10.00 at any time during the monthly statement cycle.

Limited to one Cash Kids Club Savings account per child. At the age of thirteen (13), the account will be converted to a Regular Savings account, and will be assessed a $3.00 service charge if the balance falls below $10.00 at any time during the monthly statement cycle.

CDs and IRAs

Certificates of Deposit

*Penalties apply for early withdraw and may affect your yield

IRA

*Penalties apply for early withdraw and may affect your yield  

Check the background of this investment professional on FINRA’s BrokerCheck.

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

Credit Cards

*Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MC-ASSIST (1-800-622-7747) for assistance.

Business Checking

Now Business Interest Checking

*We reserve the right to price high volume accounts according to activity

Interest On Lawyers' Trust Account (IOLTA)

*Subject to approval

Classic Business Checking

*We reserve the right to price high volume accounts according to activity.

Business Savings

Business Money Market

**Fees may reduce earnings. Federal Banking Regulations limit transfers from a money market account to six per statement cycle. All six may be by check to a third party.

Business Loans

SBA Loans

*All loans are subject to credit approval procedures and credit standards.

Construction Loans

*All loans are subject to credit approval procedures and credit standards.

Treasury Management

Additional Cash Management

Visa Check Card / ATM Card are subject to approval.

Business Mobile Banking

Carrier’s data rates may apply.

Business Credit Cards

*Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MC-ASSIST (1-800-622-7747) for assistance.

Platinum Preferred

*A qualifying purchase is any purchase that has not been returned.