CareFree Checking

Here's an account designed by young people for young people just starting out. We have an Advisory Group made up of young people to make sure this account always meets their banking needs. Age is about the only limits they've placed on this account. You can't be younger than 18 or older than 25. At Peoples First, "Juniority" does have its privileges!

You can open your CareFree Checking account with as little as $50 and earn interest on every dollar deposited when your balance is $1,000 or more. You can write as many checks as you want because, unlike so many other banks, there's no per-check charge. And, after qualifying, you can even get a free Visa Check Card and a low fixed rate Master Card.

You've got plenty of things on your mind, and the last thing you need to worry about is being overloaded with bank charges. Enter CareFree Checking from Peoples First Community Bank. If you're under the age of 25¹, CareFree checking is packed full of great benefits that are specifically designed to meet your needs and fit your lifestyle. Sound almost too good to be true? It's all simply part of putting you first ... with Peoples First.

Features

• 25 years age or younger⁵
• No monthly fee
• Interest Bearing^*
• No minimum balance
• Unlimited check writing
• Overdraft Protection available⁶
• Personal Line of Credit¹
• Free 1st order standard checks
• Free ATM/Visa Check Card²
• Discounts on loans
• Power of credit with a MC/Visa³
• Free Telephone Banking
• Free Internet Banking and Bill Pay⁴

Notes

Requirements
Minimum to open: $50.
Minimum to earn: $1,000.

1. Upon qualification
2. Upon qualification. Fees could apply at non-Peoples First ATM's
3. Upon qualification. Some restrictions may apply. Benefits subject to change as set by management.
4. No setup or monthly charge. Optional Bill Pay service free of charge.
5. Persons under 18 require parent or guardian's signature to open account. Upon 25th birthday, the account will be converted to a Community Checking account.
6. An accompanying account such as a PFCB savings, line of credit, or MasterCard with sufficient funds available is required for overdraft protection.

Frequently Asked Questions:

What do I need to bring with me to open an account?
Stop by your local Peoples First Community Bank office where our Customer Service representatives will be happy to assist you in opening up your CareFree Checking account. You will need to bring your Florida driver's License or Florida ID and your Social Security card. You will also need to have the minimum to open amount deposit with you.

Will I be charged for this account?
No. That is, no "monthly fee" will be assessed on this account. However, you may incur "activity fees" if you use your ATM card at locations other than Peoples First Community Bank's ATM machines or if transfers are made from another account for overdraft protection.