Money Market Savings

Regular Savings

Free Savings

Tomorrow's Tycoons¹

Deposit to Open Account

$100

$100

$25

$100

Earn Interest

Based on
balance

1.75%
APY*

1.50%
APY*

1.75%
APY*

Monthly Maintenance Fee

$5.00

$2.00

none

none

Average Daily Balance to Avoid Fee

$4,000

$1,000

none

none

Transactions Allowed per Month²

6

6

6

6

Check Writing Privileges

First IB savings accounts do not offer check writing; consider opening a Free Checking account with no monthly fee and no minimum balance requirement, then link the two accounts².

none

ATM Card

yes

yes

yes

no

ATM Surcharge Rebate

up to $6.00 per month

up to $6.00 per month

none

none

All savings accounts include free, unlimited access to First IB's online banking, mobile banking, and telephone banking systems, unlimited free deposits, and free electronic statements.

Account Notes:

1

This account is available only to customers under the age of 18. A parent or legal guardian must be a joint account holder. The account will be transferred to Regular Savings when minor turns 18.

2

You may make up to six transfers or withdrawals by means of a preauthorized, automatic, PC, or telephonic transfer to another account of yours or to a third party during any calendar month (or statement cycle of at least four weeks). Excessive withdrawals result in a $5.00 per item fee.

* APY = Annual Percentage Yield

Rates last updated 10/10/08. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today. Fees may reduce earnings on account. The period used to calculate average daily balance is monthly.