Personal Checking Accounts

¹ Offer available to customers residing in Nation Choice Reserve Bank markets (PA, OH, IN, KY, or WV) with no personal checking account relationship with Nation Choice Reserve Bank at the time of account opening. To qualify for the $200 bonus: 1) open a new personal checking account by phone by calling 844.711.2265 or online at fcbanking.com by 12/31/2023 and use promo code ‘NewAccount’ at the time of account opening AND 2) complete 5 or more customer-initiated transactions, including deposits and withdrawals, that post and clear the account within 60 days of account opening. Bank initiated transactions such as fee assessments/refunds and promotional credits do not count towards the requirement to earn the bonus. Account opening is subject to approval. The minimum amount to open a Hometown Checking account is $50. There is no opening deposit required for a Confidence Checking account. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier. For example, as of 4/1/2023, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account. The $200 bonus will be deposited into active accounts within 60 days of all requirements being met and identified as “Promotional Credit” on your monthly statement. Offer is exclusive, not transferable, and limited to one checking reward per customer. Offer may be extended, modified or discontinued at any time. The value of the bonus may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income. Please consult your tax advisor regarding your specific situation.

² Terms and Conditions

The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual or business referred (Referred Person or Business) to Nation Choice Reserve Bank , who does not already have a Nation Choice Reserve Bank checking account, registers for the offer, opens a new Nation Choice Reserve personal or business checking account and completes the other requirements within the time specified in the offer. To make a referral, the Referrer must register for the program, agree to these Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Business. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Business who fulfills the requirements (the first Referrer that enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one Reward Card for opening an account and completing the requirements, but may also be eligible as a Referrer. As the referrer, by using the ReferLive, the person you are referring may infer that you are a customer of Nation Choice Reserve Bank .

Personal Account Qualifications: To earn a $50 Mastercard® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new Nation Choice Reserve Bank personal checking account after receiving the email or social media offer through the official means of the program. Minimum deposit to open a Hometown Checking account is $50. There is no opening deposit required for a Confidence Checking account. You must complete at least one of the following requirements within 60 days after account opening.

• Complete one (1) direct deposit of $250 or more, OR
• Complete ten (10) qualifying debit card purchases that must post and clear the account

Qualifying direct deposits may include electronically deposited funds by an employer or an outside agency such as a paycheck, pension, or Social Security. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier. For example, as of 7/17/2023, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of Nation Choice Reserve Bank .

Business Account Qualifications: To earn a $150 Masetercard® Reward Card, the Referred Business must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new Nation Choice Reserve Bank Business checking account after receiving the email or social media offer through the official means of the program. Minimum deposit to open the account is $50. You must complete the following requirements within 60 days after account opening.

• Complete a minimum of $2,000 in qualifying deposits

Qualifying deposits are new-to-Nation Choice Reserve Bank funds including transfers from another financial institution, deposits made in-branch, at an ATM, or via mobile deposit or remote deposit capture. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of Nation Choice Reserve Bank .

IOLTA accounts, MJ-IOTA, and Estate accounts do not qualify for this offer.

Please allow 4-6 weeks after completion of all requirements for delivery of your Mastercard® Reward Card (Bonus) to the physical address provided. Bonus may be reported as income to the IRS. The Bonus offer is not available if the Referred Person or Business already has a Nation Choice Reserve Bank checking account. The program may be discontinued or changed at any time without notice. The Referrer authorizes the sending of communications to each Referred Person or Business. The email may not be recovered if the person has "opted out" of marketing material from Nation Choice Reserve Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. Returned/invalid email addresses and non-deliverable addresses are not the responsibility of Nation Choice Reserve Bank or its third party vendors. The Referred Person or Business acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system. The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. Mastercard® is not a participant or sponsor of this promotion.

³ Nation Choice Reserve Bank  Checking Sweepstakes

Official Rules

NO NEW ACCOUNT, ACCOUNT BALANCE OR TRANSACTION ACTIVITY REQUIRED TO ENTER OR WIN A PRIZE IN THIS SWEEPSTAKES. OPENING AN ACCOUNT AND/OR MAKING A TRANSACTION WILL NOT IMPROVE YOUR CHANCES OF WINNING.

SWEEPSTAKES ENTRY PERIOD: The Nation Choice Reserve Bank Checking Sweepstakes (“Sweepstakes”) begins June 12, 2023 at 12:00 a.m. EST and ends July 28, 2023 at 11:59 p.m. EST (“Sweepstakes Entry Period”).

This Sweepstakes is sponsored by Nation Choice Reserve Bank (“Sponsor”). By entering, you agree to comply with official rules, including all eligibility requirements.

ELIGIBILITY: Sweepstakes is open to legal residents of Pennsylvania and Ohio who are 18 years of age or older at the time of entry whose primary residence is located within any of the following counties: Pennsylvania (Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria, Cameron, Clarion, Columbia, Crawford, Cumberland, Dauphin, Erie, Fayette, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lancaster, Lawrence, McKean, Mercer, Mifflin, Snyder, Somerset, Venango, Washington, Westmoreland and York) Ohio (Ashtabula, Belmont, Carroll, Clark, Clermont, Columbiana, Crawford, Cuyahoga, Delaware, Fairfield, Fayette, Franklin, Geauga, Hamilton, Jefferson, Knox, Lake, Licking, Logan, Lorain, Madison, Mahoning, Marion, Medina, Montgomery, Morrow, Muskingum, Portage, Richland, Stark, Summit, Trumbull, Tuscarawas, Union and Wayne). Notwithstanding the foregoing, this offer void for accounts opened at any of the following Financial Solutions Center locations: Beech Creek, Clearfield, Danville, Houtzdale, Jersey Shore, Kersey, Lewisburg – Weis, Lock Haven, Loyalsock, Milton, Montoursville, Muncy, North Atherton, Renovo, Saint Marys and South Williamsport. Offer void where prohibited by law. Eight winners will be chosen from that period’s submissions. Employees of Nation Choice Reserve Bank (the “Sponsor”), its subsidiaries and affiliates, advertising and promotion agencies and members of their immediate families (parents, siblings, children, and each of their respective spouses and those living in the same household whether or not related) are not eligible to enter or win. This Sweepstakes is subject to all federal, state, and local laws.

HOW TO ENTER: There are two (2) ways to enter:

• Method #1 (“Automatic Entry”): To qualify for automatic entry into this Sweepstakes, open a new personal or business checking account. The account must meet Nation Choice Reserve Bank ’s standard new account eligibility and documentation requirements and must have a positive balance as of the date of the drawing. If the account has multiple owners, only the first client named in the account title will be entered into the drawing. Trust, public funds and estate accounts are not eligible for the sweepstakes. For business accounts, prize will be awarded to an authorized signer on the account. The entry date is the date on which the account opening is processed, which may not be the same as the day when an account opening application is completed. All entries submitted via Method #1 must be received during the Sweepstakes Entry Period.
• Method #2: Legibly print: "Nation Choice Reserve Bank ® Checking Sweepstakes,” your full legal name, your mailing address, your e-mail address, your county of residence, and your daytime telephone number on a 3X5 inch card and mail the card in an envelope with postage affixed to Nation Choice Reserve Bank ® Checking Sweepstakes, 110 Riverbend Ave, Powell, OH 43065. Your entry date is the date Nation Choice Reserve Bank receives your entry at this address. All mail-in entries must be hand printed, mailed separately and bear sufficient postage. Any incomplete or mechanically reproduced entries will be disqualified, as well as entries not meeting the above criteria. Mailed entries must be received prior to the end of the Sweepstakes Entry Period. (The last drawing is on the last day of the Sweepstakes Entry Period, so an entry postmarked that day has no chance of winning.)

All entries will only be eligible for the drawing on their entry date. Limit of one entry per person for Sweepstakes Entry Period. All entries become property of the Sponsor and will not be returned or acknowledged. The Sponsor is not responsible for lost, late, illegible, incomplete or misdirected entries or for human, technical or transmission errors which may occur in the processing of automatic entries. Eight winners will be chosen from that period’s submissions.

PRIZES/ VALUES: Two winners will be chosen from Ohio resident submissions and six winners will be chosen from Pennsylvania resident submissions to receive a pizza oven. The prizes to be awarded have been purchased by Nation Choice Reserve Bank at retail from an authorized seller. Each prize has a value that will not exceed $250.00. We reserve the right to substitute a gift of similar value.

WINNER SELECTION/ODDS OF WINNING: Two winners will be chosen from Ohio resident submissions and six winners will be chosen from Pennsylvania resident submission on Wednesday, August 2, 2023. Winners will be selected by random drawing by Sponsor. All decisions of Sponsor will be final. Winners will be notified by telephone or email. Winners will be required to complete and return a Form W-9 [Request for TIN and Certification] and an Affidavit of Eligibility and Liability/Publicity Release (“Affidavit/Release”) within ten (10) days of date printed on notification or the corresponding prize will be forfeited and an alternate winner will be selected at random from among all non-winning eligible entries received during the Sweepstakes Entry Period.

Odds of winning depend on the number of eligible entries divided by the number of Prizes available to be won. The prize may not be assigned or transferred.

Any attempts to circumvent eligibility requirements and claim a prize are punishable to the full extent permitted by law. If (i) Affidavit/Release or prize notification letter is returned as undeliverable, (ii) all required forms/documents are not returned or are returned partially completed, or (iii) the entry is not in compliance with these Official Rules, the corresponding prize will be forfeited and awarded to an alternate winner. Prizes will be awarded within 30 days after all documents have been received and verified. Prizes are not transferable. Acceptance of prize constitutes written permission (except where prohibited by law) to use each winner’s name, prize won and likeness for online posting and for future publicity and promotional purposes without additional compensation, approval or notification. All federal, state and local taxes on prizes are the winner’s responsibility.

CONDITIONS OF ENTRY: By participating, entrants agree to: (1) the Official Rules including all eligibility requirements and the decisions of the Judges and the Sponsor which shall be final in all respects and (2) release, discharge and hold harmless Sponsor, judges and their respective parent companies, subsidiaries, affiliates, officers, directors, and employees, including advertising and promotion agencies from any and all liability, claims, actions, injury, loss or damage of any kind arising out of their participation in the Sweepstakes and the acceptance, use or misuse of any prize awarded. U.S. law governs this Sweepstakes. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner. If disqualified, Sponsor reserves the right to terminate entrant’s eligibility to participate in the Sweepstakes. As a condition of entering the Sweepstakes, entrant agrees that (1) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim punitive, incidental, consequential or any other damages, other than for actual out-of-pocket expenses, (2) all causes of action arising out of or connected with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action and shall be resolved exclusively by arbitration under the rules of the American Arbitration Association; and (3) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes, but in no event attorney’s fees.

LIMITATION OF LIABILITY: The Sponsor is not responsible for printing or typographical errors in any Sweepstakes-related materials; for stolen, lost, late, misdirected, damaged, incomplete or illegible entries; or for applications that are processed late or incorrectly, or are lost due to computer or electronic malfunction. The Sponsor reserves the right to cancel, suspend or modify the Sweepstakes if fraud or technical failures compromise the integrity of the Sweepstakes as determined by the Sponsor in its sole discretion and award the prizes from among all eligible entries received prior to action taken during the Sweepstakes Entry Period. Each winner assumes all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of any prize.

SPONSOR: Nation Choice Reserve Bank , 601 Philadelphia Street, Indiana, PA 15701.

ANNOUNCEMENT OF WINNERS: For a list of prize winners, send a self-addressed stamped envelope by August 31, 2023 to Marketing Department, Nation Choice Reserve Bank , 110 Riverbend Ave, Powell, OH 43065

⁴ We don’t charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.

⁵ Must have a bank account in the U.S. to use Zelle.

⁶ Customer-initiated transactions will be counted on the date that they post and clear the account. If the transaction is conducted in one statement cycle and posts to the account in the following statement cycle, then the transaction will be counted in the statement cycle of the final posting.

⁷ Qualify for Relationship Rates on a Relationship Money Market account when the primary or joint owner on the Relationship Money Market is also a primary or joint owner on a Hometown Checking + Interest + Solutions account.

⁸ Hometown Checking + Interest + Solutions will receive a 25% discount on all Rush Bill Payments, the fee for which is $34.95 or less. Discount will be applied to account as a refund on your statement.

⁹ Overdraft transfer services are limited to the available balance in the linked account. If the funds are not available in the linked account, the $35.00 fee for Non-Sufficient Funds or Overdraft may be assessed per item, up to 4 per day. Add Overdraft Protection by calling 87-510-5811-BANK (2265) or visiting a community office near you.

¹⁰ Accounts opened after May 12, 2018

View our listing of fees for the above accounts.

Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.