Personal Checking

Accounts are subject to approval. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and Account Terms and Conditions Schedule of Fees and Charges for the terms and conditions associated with the product.

1 Account available for students 10 to 25 years old at account opening. For students under the age of 18, a parent/guardian must be listed as a joint owner on the account. Account subject to approval. Certain restrictions apply. Student must provide a valid student ID as proof of active enrollment in an accredited educational institution at time of account opening. Upon student’s 26th birthday, or sooner if not enrolled as a full-time student in an accredited educational institution, the account will be converted into a standard Freedom Checking account and subject to the then current checking service charges.

2 ATM surcharges will be automatically rebated for any other bank-owned and operated ATM in the United States.

3 Mobile Banking: Fremont Bank Mobile Banking App is available for select mobile devices. Enroll in Fremont Bank Personal Online Banking and download the Fremont Bank Mobile Banking App. There is no charge from Fremont Bank, but messaging and data charges from your mobile carrier service may apply. Review your contract with your individual mobile carrier service before enrolling in Mobile Banking. Mobile internet browser is required in order to use some optional features of Services.

4 This is a variable rate account. Rates may change at any time without prior notice. Fees may reduce earnings.

5 The Combined Balance Option allows you to combine certain balances to avoid paying monthly service charges on your eligible checking account. The Combined Balance Option requires identical account ownership. You can avoid the monthly service charge on only one checking account by choosing the Combined Balance Option. The Option is activated on any day the checking account balance falls below the minimum amount required to avoid the monthly service charge. When that happens, the balance of the checking account will be combined with the lowest month-to-date minimum balance(s) in the flexed account(s) to determine if you meet the balance requirement.

6 A Direct Deposit of your salary, pension, Social Security or other regular monthly income electronically deposited to your account. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit.

7 A qualifying debit card transaction is defined as a point-of-sale (POS) purchase transaction using your PIN (Personal Identification Number), purchases you sign for, internet, phone and mail order purchases, small dollar purchases that do not require a signature or PIN, and bill payments where payee processes the transaction as a credit transaction. Qualifying transactions from same account but with different cards are combined. Transactions that do not qualify include ATM transactions, cash transactions and refund/return transactions. To be deemed qualifying, all qualified transactions must post to the account during the statement period.

8 A $2.00 paper statement fee applies; waived for e-Statements. e-Statements (electronic statements) are free but you must enroll in Online Banking and have a working connection to the internet with email capability. If you cancel e-Statements, your account will be subject to the paper statement fee beginning with the end date of the statement period in which e-Statements are canceled.

9 Premier clients have access to a Premier Money Market checking account. This product is only available to Premier Banking Clients and features higher rates than the published rates on standard Money Market Checking. Interest rates are set at the Bank’s discretion and are subject to change without notice.

10 Offer valid for new Fremont Bank Cornerstone personal checking clients only. Clients who currently have a personal checking account with Fremont Bank as a primary or secondary account holder are not eligible for this bonus. To receive up to a $150 bonus you must open a new Cornerstone checking account; AND complete each of the following within 60 days of account opening: 1) Earn $50 when you establish a recurring direct deposit of $500 or more; 2) Earn $50 when you complete two or more online bill payments through Fremont Bank online or mobile banking; 3) Earn $50 when you make 25 or more qualifying debit card purchases of $5 or more. Account bonus will be credited automatically to your Fremont Bank Cornerstone Checking account within 90 days of meeting all of the qualifications and will appear on your account statement.

11 Receive $10 each month, up to $120 annually, when you are enrolled in Automatic Loan Payments and complete any three of the following qualifying activities on this account: 1) Receive account e-Statements; 2) Receive a recurring direct deposit of $500 or more; 3) Complete at least one online bill payment; or 4) Make five or more qualifying debit card purchases of $5 or more. Rewards will be credited to the account and reported as interest, and Fremont Bank may issue an Internal Revenue Service Form 1099 (or another appropriate form) to you that reflects the value of the account credit.

12 Electronic bill payments using Bill Pay. You must be enrolled in Online or Mobile Banking to activate and use Bill Pay.

Mastercard® and the Mastercard Brand Mark are registered trademarks and Mastercard Global Service® and Mastercard Airport Concierge® are trademarks of Mastercard International Incorporated, used pursuant to a license.