Merger Sample Book

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Fidelity Money Market Checking Account
Regarding you account ending in -123.
Beginning at close of business April 25, 2014, your checking account referenced above will be a Fidelity
Money Market Checking account. This account has limited check writing privileges but a competitive
interest rate. There is a minimum daily balance requirement of just $2,500.00 to avoid the monthly
service fee, and 6 free withdrawals per month.
NOTE: Federal regulation limits transfers from this account to another account or to third parties by
pre-authorized automatic or telephone transfers to six per statement cycle period, with no more than
six transfers by check or similar order to third parties. There is no limit on deposits, or the number of
withdrawals the customer can make at the ATM, by mail or in person at Fidelity Bank.
However, rest assured that you have a choice. If you prefer to be moved to a different account, you
may choose an account that better suits your needs. We will be happy to put you into the account of
your choice. We have enclosed a listing of the checking account options we offer on page 9. Each of
our checking accounts allows you to avoid the monthly service charge according to certain account
requirements.
If you choose to stay in the Money Market Checking account there will be no action needed on your part.
If you prefer a different account, please let us know. We want to emphasize to you that your relationship
with us is very important and we want to continue to providing the exceptional service to which you have
become accustomed.
Monthly checking statements
All First National Bank of Byers checking and savings accounts will have a statement prepared on the
night of April 25th. For most customers this will be partial month’s statement. After conversion, you next
statement date will be as close to you current statement date as possible. Due to partial statements and
our desire to make sure you are in the best account possible, we will waive all accounts’ service charges
for 3 statement cycles. Beginning with your 4th statement cycle, standard charging will occur.
Convenience
Fidelity Bank strives to provide you with convenient ways to manage you accounts and to get help when
you need it:
• A staff dedicated to providing outstanding
customer service
• 24/7 Automated Phone Banking
• 6 Branches & 5 ATMs
• Online Banking and Bill Pay
• e-Statments
• Mobile Banking- Text, Web. Apps.
Minimum to Open $100
Minimum Daily Balance to Avoid Service Charge $2,500
Monthly Service Charge $10
Interest Rate Tier*
$2,500-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000 and up
Free Withdrawal Fee 6
Excess Withdrawal Fee $10