Personal Checking Accounts

Disclosure

*LiveFree Checking: LiveFree Checking is free with eStatements. A $4 monthly paper statement fee applies if paper is selected. The paper statement fee is not charged when primary account owner is age 60 or older. Boost Checking: Earn a higher rate when the following requirements are met during each statement cycle: 1) Complete ONE online bill payment through Personal Online Banking OR have ONE direct deposit posted to Boost Checking account AND 2) Complete 15 debit card purchase transactions. ATM transactions are not eligible. Online and Mobile Services: Services offered are subject to their respective terms and conditions, and availability may vary by device. Zelle^®: To send or receive money with Zelle^®, both parties must be enrolled in the Zelle^® payment service through a participating financial institution. Transactions typically occur in minutes between enrolled users. Select transactions could take up to three business days. You should not use the Zelle^® payment service to send money to recipients you do not know or you do not trust. Early Pay: Requires eligible direct deposit to your East First account. Direct deposits eligible for Early Pay include transactions that East First can reasonably determine as employment compensation or government benefit or tax payments. When a payer, such as an employer, submits payment files to East First before the scheduled payment date, East First may generally make funds available up to two days earlier than the scheduled payment date. Timing of access to these funds is dependent on the payer’s payment instructions, how the transaction is coded, and the timing of submission of payment files to East First from the payer. Timing of available funds may vary between payment periods. East First does not guarantee that you will receive early access to eligible direct deposits. You should confirm your Available Balance before attempting to make a withdrawal or purchase. Nonpayroll and nontax payments may not be available for Early Pay. We may cancel Early Pay at any time and without notice. You may cancel Early Pay at any time by contacting your East First personal banker or by calling us at 887.EAST FIRST (887.234.4366). Early Pay is not available for East First payroll direct deposits to East First Bank accounts. New accounts must be opened for 30 days to be eligible for Early Pay.