Royal Accounts

Royal & Royal Blue Checking

Minimum balance to open the account -
Royal Checking - $25,000.00 or more
Royal Blue Checking - $10,000.00 or more and you must be 55 years of age or older

Account features - The following services will be provided FREE of charge for Royal Checking and Royal Blue Checking Customers:

• Free Online Banking with Bill Pay
• Free e-Statements available
• Free Checks (2 orders of WCB checks/year)
• Free Money Orders and Treasurer's Checks
• Free Safe Deposit Box (2x5) for the first year
• Lower Loan rates with Direct Debit (Consumer Loans)
• Higher rates on selected CD's.
• Free MasterMoney Card (No annual fee)
• Free Bank by Phone
• Free Photocopies (10/month)
• Free Signature Guarantees
• $1,000.00 Bounce Protection
• Free use of FNBT ATM's

Fees: Royal Checking Account - a service charge of $25.00 will be imposed every monthly cycle if the average balance of your combined total deposit relationship is less than $25,000.00. Royal Blue Checking Account - a service charge of $10.00 will be imposed every monthly cycle if the average balance of your combined total deposit relationship is less than $10,000.00. Your total deposit relationship is all Royal Savings and Royal Checking accounts of which you are the primary owner, on either individual or joint accounts.

Other terms and conditions may apply. Ask your account representative for additional details.

Royal Savings

Minimum balance to open the account - $1,000.00

A Royal Checking Account MUST be maintained to qualify for a Royal Relationship Savings Account.

• Special interest rates
• No monthly service charge **
• Free Online Banking
• Free MasterMoney Card (No annual fee)
• Interest will be compounded daily, credited to your account quarterly
• Automatic transfer available from your Savings Account to your Checking Account to cover overdrafts ***
• All accounts MUST have the same person listed as the primary account holder; whether solely or jointly owned.

Fees: Royal Checking Account - a service charge of $25.00 will be imposed every monthly cycle if the average balance of your combined total deposit relationship is less than $25,000.00. Royal Blue Checking Account - a service charge of $10.00 will be imposed every monthly cycle if the average balance of your combined total deposit relationship is less than $10,000.00. Your total deposit relationship is all Royal Savings and Royal Checking accounts of which you are the primary owner, on either individual or joint accounts.

Other terms and conditions may apply. Ask your account representative for additional details.