INDEPENDENTLY RATED
& RECOMMENDED by BAUERFINANCIAL, Inc.
AWARDED SEPTEMBER 2007
Personal Accounts / Non-Interest Bearing Account
First Bank of Conroe Simple Checking Standard 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
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
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

*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.
Protecting your Account: Identity theft and Online Banking Security are serious issues.
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