FIRST BANK CLUB 
First Bank Club offers you a checking account with all the banking services you'll ever need for just one low monthly fee of $12 (plus tax)! 
 
-Minimum balance to open: $100 
-No minimum balance requirement to maintain 
-Free Bank Club checks 
-Unlimited checks/debits per month 
-No annual debit card or ATM card fee 
-No fee for money orders or gift cards 
-Free images with your monthly statement 
-$10,000 Accidental Death & Dismemberment Insurance Coverage 
-No fee for online or telephone banking 
-Free notary service 
-Free Mobile Banking 
-Free Bill Pay 
-Free E-statements 
 
BASIC CHECKING 
Our low cost checking account for those customers with minimal activity. 
 
-Minimum balance to open: $100 
-No minimum balance requirement to maintain 
-Up to 15 checks/debits per month at no charge  
-$8 (plus tax) monthly service charge when over 15 checks/debits post to account in a statement cycle** 
-No annual debit card or ATM card fee 
-No fee for online or telephone banking 
-Free Mobile Banking 
-Free Bill Pay 
-Free E-Statements 
 
REGULAR CHECKING 
A traditional checking account with unlimited check writing in return for a minimum balance. 
 
-Minimum balance to open: $400 
-No service charge unless the required minimum daily balance falls below $400 or the $800 minimum monthly average collected balance is not met during the statement cycle 
-$6 (plus tax) monthly service charge when the daily balance falls below $400 or the monthly average collected balance falls below $800 during the statement cycle 
-No fee for initial debit card or ATM card 
-No annual debit card or ATM card fee 
-No fee for online or telephone banking 
-Free images with your monthly statement 
-Free Mobile Banking 
-Free Bill Pay 
-Free E-Statements 
 
DIRECT CHECKING 
A free checking account as long as you set up a direct deposit to the account! 
 
-Direct deposit required 
-Minimum balance to open: $0 
-No minimum balance requirement to maintain 
-No monthly service charge for balance requirement** 
-No annual debit card or ATM card fee 
-No initial fee for debit card or ATM card 
-No fee for online or telephone banking 
-Free Mobile Banking 
-Free Bill Pay 
-Free E-Statements 
 
INTEREST CHECKING* 
An interest bearing checking account with tiered rates! 
 
-Minimum balance to open: $1,000 
-No service charge unless the required minimum daily balance falls below $1,000 or the $2,000 minimum monthly average collected balance is not met during the statement cycle 
-$6 (plus tax) monthly service charge when the daily balance falls below $1,000 or the monthly average collected balance falls below $2,000 during the statement cycle 
-No fee for initial debit card or ATM card 
-No annual debit card or ATM card fee 
-No fee for online or telephone banking 
-Free images with your monthly statement 
-Tiered variable rates of interest earned on the daily collected balance  
-Interest is compounded and credited monthly 
-Free Mobile Banking 
-Free Bill Pay 
-Free E-Statements 
 
 
Ready to make the switch? Switch Today! 
 
 
 
 
*Additional disclosures on rates, compounding and other account information is available upon request and at time of account opening. 
** Imaged statements are available upon request.  There is a $3.00 monthly service charge per statement cycle.  (Plus tax) 
 
 
 
See Rates tab on our website for current interest checking account rates. 
 
Contact our deposit service representatives for further information on these and any other investment accounts! They can be reached by phone at  
319-627-2191 or by email at  info@wlsb-ia.com 
FDIC
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