Personal Banking

FIRST FREE CHECKING

Minimum balance to open this account

$100.00 minimum deposit to open this account.

Account Features

No per check fee assessed to this account. Unlimited free check writing, transfer and deposits. Detailed monthly statement, excludes copies of checks. Show your team spirit. New Orleans Saints Checks available with this account. This account does not pay interest.

Monthly Service Charge

There is no monthly service charge assessed on this account.

FIRST CLASS CHECKING

Minimum balance to open this account

$100.00 minimum deposit to open this account.

Account Features

Unlimited check writing, transfers, and deposits. No per check fees assessed to this account. Interest paid on balances of $1,000.00 or more. Detailed monthly imaged statement.

Monthly Service Charge

No monthly service charge assessed to this account if a minimum balance of $1,000.00 is maintained in the account each day.

CUSTOMER FIRST CHECKING

Minimum balance to open this account

$1,000.00 minimum deposit to open this account.

Account Features

Unlimited check writing, transfers, and deposits. No per check fees assessed to this account. This is a Competitive Edge** interest account. Tiered rates pay higher interest as balance increases. The interest rate and annual percentage yield may change. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Detailed monthly imaged statements. Interest is compounded daily, credit monthly.

Monthly Service Charge

No monthly service charge will be assessed to this account as long as a minimum balance of $10,000.00 is maintained in the account each day.

**Competitive Edge Interest – To ensure our Savings rates are always competitive, we pay up to .25% higher than the average of our top four competitors’ 90-day Certificate of Deposit rates. Rates are updated monthly. Call any branch for current tier information.

TRADITION CHECKING

Minimum balance to open this account

$100.00 minimum deposit to open this account.

Account Features

For clients 59 ½ or better. Unlimited check writing, transfers, and deposits. No per check fee assessed to this account. Interest paid on balances of $250.00 or more. Free checks, no-fee money orders, travelers’ cheques and stop payments.

Monthly Service Charge

No monthly service will be assessed to this account as long as a minimum balance of $250.00 is maintained in the account each day.

Enhancements For Any Checking Account

MASTERCARD © CHECK CARD

Add convenience and security to any checking account with a Mastercard Check Card. It’s easier to use than a check and more secure than cash, your Mastercard Check Card allows you to make purchases from your checking account anywhere Mastercard is accepted. Just swipe, sign and go. If you need cash, just access your account at any ATM.

ONLINE BANKING

Online Banking is a tremendous time saver that can make things easier for you. You’ll have instant access to current account information, checks that have cleared and your account statements. You can even transfer funds between FBTM accounts. All this is available from the comfort of your home or office. Sign up for online banking today.

ONLINE BILL PAY

Once you have Online Banking, you are ready to experience our Bill Pay service. Set up your bills the way you need to including monthly or recurring bills. Pay your bills easily and securely online. Sign up for online banking today.

IMAGE STATEMENTS

Your checking account comes standard with images of each check that cleared that month. You’ll find balancing your account will be easier each month because images are sorted in check number order. Plus, your imaged check is legal proof of payment if you have a dispute.

FIRST MONEY MANAGER PERSONAL

Minimum balance to open this account

You must deposit $1,000.00 to open this account. This is a limited transaction account.†

Rate Information

You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded daily and credited to the account monthly. This is a tiered rate account. For the current rate and annual percentage yield, please stop by any FBTM branch or call 662-283-6704 in Winona and 228-385-3450 in Biloxi.

Monthly Service Charge

A $15.00 monthly service charge will be assessed in the event your average daily balance falls below $1,000.00 during a statement cycle. A $15.00 transaction limitation fee will be charged for each debit in excess of six (6) per statement period.

The following are unlimited transactions: Deposits, in person withdrawals or transfers at a teller or ATM

FIRST SAVINGS

Minimum balance to open this account

You must deposit $100.00 to open this account. This is a limited transaction account.†

Rate Information

You must maintain a minimum balance of $100.00 in this account each day to obtain the stated annual percentage rate. Interest will be compounded daily and will be credited quarterly. For the current rate and annual percentage yield, please stop by any FBTM branch or call 662-283-6704 in Winona and 228-385-3450 in Biloxi.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest is paid quarterly on all balances.

Monthly Service Charge

If your minimum daily collected balance falls below $100.00 on any day during any month during a statement quarter, we will deduct a $3.00 monthly service charge from your account. An excess withdrawal fee of $3.00 will be charged for each withdrawal in excess of three during the month.

CUSTOMER FIRST SAVINGS

Minimum balance to open this account

You must deposit $100.00 to open this account. This is a limited transaction account.†

Rate Information

This is a competitive edge** interest account. Tiered rates pay higher interest as balance increases. The interest rate and annual percentage yield may change. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. For the current rate and annual percentage yield, please stop by any FBTM branch or call 662-283-6704 in Winona and 228-385-3450 in Biloxi.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest is paid quarterly on all balances.

Monthly Service Charge

If your minimum daily collected balance falls below $1,000.00 on any day during any month during a statement quarter, we will deduct a $5.00 monthly service charge from your account. An excess withdrawal fee of $5.00 will be charged for each withdrawal in excess of three during the month. If the account becomes dormant, with no activity for one year, a $5.00 monthly dormant fee will be assessed as long as the account remains dormant.

Competitive Edge Interest** To ensure our Savings rates are always competitive, we pay up to .25% higher than the average or our top four competitors’ 90-day Certificate of Deposit rates. Rates are updated monthly.

Pick Your Term CDs

First Bank and Trust of Mississippi offers multiple terms. You pick the one that is best for you! Choose from 3 months up to 60 months. A certificate of deposit locks in the rate for the term of your investment. Contact an FBTM Banker for today’s rates.

Minimum balance to open the account

You must deposit $1,000.00 to open the account. You may not make additional deposits to this account. You make not make withdrawals from your account until the maturity date.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Rate Information

The account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the CD. Interest begins to accrue on the business day you deposit noncash items (for example, checks). This is a simple interest account. You may receive interest at maturity if the CD term is one year or less or deposit the interest into a FBTM account of your choice monthly, quarterly, semi-annually or at maturity. For longer term CD’s, the interest must be received at least annually or may be paid to you monthly, quarterly, semi-annually or annually if deposited in to another FBTM account of your choice.

Time Account Information

If you withdraw any of the principal before the maturity date, we may impose a penalty based on the term of the certificate of deposit. Any penalty charged may decrease the principal balance of the account affected. This account will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

Current Rates and Annual Percentage Rates

For the current rate and annual percentage yield, please call any First Bank and Trust of Mississippi Branch.

Individual Retirement Accounts

2 Year and 5 Year Certificate of Deposit Traditional Individual Retirement Account

Minimum balance to open the account

You must deposit $1,000.00 to open the account.

Maximum Annual Contribution

Individual $4,000. (or taxable compensation) Married filing jointly $8,000. (up to $4,000. each) If you are age 50 or over you can contribute an additional $1,000. (catch up contribution).

Eligibility

Anyone under the age of 70 ½ with earned income. Spouses with little or no income who file jointly are eligible for a Spousal IRA. If one spouse has little or no earned income, their combined income must be equal to or greater than the total IRA contribution for that year.

Tax Deductibility of Contributions

Tax deductible (based on retirement plan coverage, adjusted gross income and filing status). Contributions allowed up to age 70 ½ if still earning income.

Earnings

Earnings are tax-deferred.

Required Age of Distribution

Distributions start by age 70 ½.

Withdrawals

Withdrawals can be made at age 59 ½ without penalty. Withdrawals before age 59 ½ are subject to income taxes plus a federal penalty for premature distributions, unless the withdrawal meets criteria.

Qualified Early Withdrawals

1st home purchase ($10,000 lifetime limit). Disability of contributor Medical expenses that exceed 7.5% of your adjusted gross income. Payments of health insurance premiums under certain circumstances. Qualified higher education expense.