• Savings Account
• Young American Savings Account
• Freedom Savings Account
• Christmas Club Account
• Vacation Club Account
• Deposit Rates

Savings Account

• $100 minimum to open
• $100 minimum to avoid service fee
• Service fee of $2.00 per statement cycle if balance falls below minimum
• Withdrawals limited to 3 per month
• Excessive withdrawal fee of $3.00 charged for each withdrawal over 3 per month
• Quarterly statement
• Interest credited to account quarterly

Young American Savings Account †

• For minors or full-time students
• $100 minimum to avoid service fee
• Service fee waived until the age of 18, or 24 if a full-time student
• Withdrawals limited to 3 per month
• Excessive withdrawal fee of $3.00 charged for each withdrawal over 3 per month
• Quarterly statement
• Interest credited to account quarterly

Freedom Savings Account

• Tied to a Freedom Checking Account (Customer must have a Freedom Checking Account to qualify for a Freedom Savings Account).
• A higher interest rate is paid on this savings.
• No minimum balance to open or maintain
.
• Transaction limitations: 3 withdrawals per month.
• An excess withdrawal fee will be charged for all withdrawals over 3 during a month.

Christmas Club Account

• $5.00 minimum to open
• Interest credited on the first business day in November.
• Check sent for balance and interest on first business day in November.
• No early withdrawals

Vacation Club Account

• $5.00 minimum to open
• Interest credited on the first business day in June.
• Check sent for balance and interest on first business day in June.
• No early withdrawals

* If you close your account before interest is credited, you will not receive the accrued interest.
* Your interest rate and Annual Percentage Yield (APY) may change at our discretion at any time.
* The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate
   to the principal in the account each day.
* Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.

† About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. The First National Bank of Ogden's website and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.