First Bank of Conroe

Personal Accounts

First Bank of Conroe	Simple Checking	Classic Checking	Prestige 55 (Customers 55 and over)
Minimum to Open	$100	$200	$200
Minimum to Avoid Service Charge	$0	$700	$0
Service Charges	$0	$10 monthly fee if balance falls below $700	$0
Service Charges	N/A	N/A	N/A
Withdrawals	Unlimited	Unlimited	Unlimited
Statement Frequency	Monthly	Monthly	Monthly
Interest Bearing	No	No	No
Compounding	N/A	N/A	N/A
Interest Credited	N/A	N/A	N/A
Items Imaged	Images Truncated	Yes	Yes
ATM or Debit Card (Upon Approval)	Yes	Yes	Yes
*Overdraft Privilege (Upon Approval)	$500 after 30 days	$700 after 30 days	$700 after 30 days
Free Checks	1st 50 checks	No	Yes Personalized Standard Checks
Other Features	N/A	N/A	Free Cashier's Checks, Money Orders & one-party Traveler's Checks
Online Banking	Yes	Yes	Yes

Interest Bearing Accounts - For Individuals Only

First Bank of Conroe	Interest Checking	President's Checking	Statement Savings	Money Market Savings
Minimum to Open	$200	$200	$200	$200
Minimum to Avoid Service Charge	$1,500	$10,000	$250	$2,500
Service Charges	$15 monthly fee if balance falls below $1,500	$20 monthly fee if balance falls below $10,000	$5 quarterly fee if balance falls below $250	$15 monthly fee if balance falls below $2,500
Service Charges	N/A	N/A	Item fee for excess Debits $1.00 for each debit in excess of 3 per quarter	Item fee for excess Debits $15.00 for each in excess of 3 checks per statement cycle
Withdrawals	Unlimited	Unlimited	3 per quarter	6 per statement cycle, with no more than 3 by check, draft or similar order to third parties
Statement Frequency	Monthly	Monthly	Quarterly	Monthly
Interest Bearing	Yes	Yes (Tiered Rate)	Yes	Yes (Tiered Rate)
Compounding	Monthly	Monthly	Quarterly	Monthly
Interest Credited	Monthly	Monthly	Quarterly	Monthly
Items Imaged	Yes	Yes	Items Truncated	Yes
ATM or Debit Card (Upon Approval)	Yes	Yes, Waive FBOC's fee @ foreign ATM's	No	No
*Overdraft Privilege (Upon Approval)	$700 after 30 days	$700 after 30 days	No	No
Free Checks	Yes Personalized Standard Checks	Yes Personalized Standard Checks	No	No
Other Features	Free Cashier's Checks, Money Orders & one-party Traveler's Checks	Free Cashier's Checks, Money Orders & one-party Traveler's Checks	N/A	Limited Checkwriting Privileges
Online Banking	Yes	Yes	Yes	Yes

Please print and complete the Personal Account Application.
	Download Personal Account Application
Fax to 936-525-1386 or mail to: First Bank of Conroe Attention: New Accounts Dept. P.O. Box 1280 Conroe, TX. 77305
or return to your FBOC New Account Representative. If you have any questions please contact us at (936)760-1888.

*Fees are assessed for any item which could create an overdraft on your account(s). An Overdraft Item Fee of $33 applies to each item creating an overdraft by check, in-person withdrawal, ATM withdrawal or other electronic means. A return item fee of $33 applies to each item presented against insufficient funds that we return unpaid regardless of the type of item.

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