First Cahawba Bank : Welcome

Visit Cahawba Club - Everyday Benefits, Everyday Protection; that's simple, easy and convenient.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "non-interest bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC deposit insurance increased from $100,000 to $250,000 per depositor effective July 2010.
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Lifestyle is a personal choice; how you manage your money should be your choice as well. Whether you are interested in unlimited check-writing, interest on your funds, low or no-fee accounts, or a no minimum balance free account; First Cahawba Bank has the right product. Our stress-free checking accounts are designed to grow with you. It’s your life and your money, and with First Cahawba Bank it’s your choice.

Providing you with the highest level of personal service and individual care is our number one priority. With prompt local decisions, unlimited check-writing, interest on your funds, low or no-fee accounts or no minimum balance fee accounts; First Cahawba Bank has the right checking or savings product to fit any age.

All of our personal checking and savings accounts feature:

FREE VISA® CheckCard
FREE Online Real-Time Banking
FREE Online Bill Pay
FREE $2,500 Identity Theft Insurance with Fraud Resolution*

Our stress-free accounts are designed to grow with you, offering a true community bank advantage. Whichever option you choose, we’re here to assist you.

*All First Cahawba Bank checking accounts are subject to credit approval. First Cahawba Bank internet banking with bill pay is available as long as checking accounts are maintained. All accounts are subject to the terms and conditions of the First Cahawba Bank Customer Agreement. Free $2,500 Identity Theft with Fraud Resolution offer valid for one account only. Transfers or withdrawals in excess of the stated limit may incur an excessive withdrawal fee. See individual account disclosures for details. °Other financial institutions may charge a fee for using their ATM. If so, First Cahawba Bank will pay a flat rate of $2.50 per transaction for up to 10 monthly transactions. All First Cahawba Bank ATM transactions are free.

ADVANTAGE MONEY MARKET

$100 minimum deposit to open
$20 service charge waived with a minimum average daily collected balance of $10,000
Interest paid on tiered rates
Free Online Banking with Bill Pay
Free first order of basic checks
10 Free° foreign ATM transactions
Free VISA® CheckCard

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ADVANTAGE SAVINGS

$100 minimum deposit to open
$5 monthly service charge waived with an average daily collected balance of at least $100
2 Free withdrawals per month, $5 service charge for each additional withdrawal over 2
Interest paid quarterly, compounded daily on average daily collected balance

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PRIME ADVANTAGE FOR AGE 50+

$100 minimum deposit to open
No monthly service charge
Interest rates paid at NOW account rates on an average daily collected balance over $2,500
Free Online Banking with Bill Pay
Free basic checks
10 Free° foreign ATM transactions
Free VISA® CheckCard
Unlimited check writing
Free* Cahawba Club membership with a minimum average daily collected balance over $2,500, a $6 monthly service fee will be applied if average daily collected balance is $2,500 or below
Free travelers cheques
Free cashiers checks
25% off safe deposit boxes
CD bonus rate of .25% (excludes CD specials)

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NOW ADVANTAGE

$100 minimum deposit to open
$9 monthly service charge waived with an average daily collected balance of $1000
Interest rates paid at NOW account rates on 100% of the daily collected balance
Free Online Banking with Bill Pay
Free first order of basic checks
10 Free° foreign ATM transactions
Free VISA® CheckCard
Unlimited check writing

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FREE CHECKING

$100 minimum deposit to open
No monthly service charge
No minimum monthly balance
Free Online Banking with Bill Pay
Free first order of basic checks
10 Free° foreign ATM transactions
Free VISA® CheckCard
Unlimited check writing

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CAHAWBA CLUB benefits may be applied to any one account.

$6 additional monthly service charge
$10,000 accidental death and dismemberment insurance
$10,000 identity theft insurance with fraud resolution
Everyday rebate rewards
Payment card protection
24-hour credit monitoring
My getaway vacation
Discount gift cards
For full details see your bank representative

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