When our customers say they love banking with us, they are usually referring to the very personal approach we take to customer service.

Regular Checking Account

$100 to open

Minimum balance to avoid imposition of fees - If your balance falls below $150.00 on any day in the monthly statement cycle we will impose a service charge fee of $5.00 once during the statement cycle.

If your balance is at least $150.00 on every day in the statement cycle but falls below $300.00 on any day during the monthly statement cycle we will impose a service charge fee of $4.00 once during the statement cycle.

If your balance is at least $300.00 on every day in the statement cycle but falls below $500.00 on any day during the monthly statement cycle we will impose a service charge fee of $3.00 once during the statement cycle.

With First Bank of Utica's regular checking, as long as you maintain a minimum balance of $500.00, there are no service charges.

NOW Account

$700 to open

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded and credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open account - You must deposit $700.00 to open this account.

Super NOW Account

$1000 to open

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded and credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $7.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $700.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average daily balance of $700.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Money Market Account

$1000 to open

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded and credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $7.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal to the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal to the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations - Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three transfers by check, draft, or similar order to third parties.

Fees - A per debit fee of $5.00 will be charged for each debit transaction in excess of six during a statement cycle.

Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

62+ Checking Account

Must be 62 year of age or order to be eligible

No minimum balance requirements

One order of Basic Bank-A-Count Checks free per year

*All interest bearing accounts will be subject to all balance requirements and service charges and fees as described per interest bearing accounts terms.

Student Checking Account

Eligibility requirements for opening and maintaining a Student account-Full time status under the age of 24. Will be verified yearly. Automatically converts to a Regular Checking Account at the age of 24.

No minimum balance requirements apply to this account.