Personal Banking - Checking
The Right Checking Account for Every Need

Whether you are a student opening up an account for the first time or are ready to enjoy retirement, or anything in between, we have an account for you.

For a complete picture of your personal banking options, be sure to check out all the savings options, personal loans and other services that we offer or find a banking office near you to discuss your needs.

Free Checking
Choose from two options that all offer:

	No monthly service charge
	No minimum daily balance
	Unlimited check writing
	FREE ATM access at any ATM owned by Franklin Bank*
	FREE online banking
	FREE online bill pay

Free Checking
Ideal for those who want a checking account that lets you choose how and when to bank.
Low minimum opening balance

Senior Gold Checking (55+)
Ideal for people 55 or older who want free checks and more.
Low minimum opening balance
Free wallet checks (2 boxes per year)
Free travelers' checks, teller checks, cashier checks

Franklin Plus Account**
Enhance your assets with a Franklin Plus Account. For a low monthly fee of $7.00, you will receive these great benefits:

Financial Services

	No minimum balance required, unlimited check writing and personalized checks
	Imaged cancelled checks returned in your statement
	FREE cashier's checks, money orders and traveler's checks (Some restrictions may apply.)
	50% discount on annual rental of any size safe deposit box, subject to availability
	FREE ATM access at any ATM owned by Franklin Bank*
	FREE online banking
	FREE online bill pay

Health and Security Benefits

	$20,000 Accidental Death and Dismemberment (AD&D) insurance and $50,000 Common Carrier Insurance with $1,000 Dependent Children AD&D coverage. (Coverage is provided immediately at no additional charge. If joint account, total coverage is divided evenly.)
	Living Family Journal: Organize, record and document personal, medical and financial information with your personal computer.
	Identity theft protection
	Prescription drug discounts
	Vision care savings

Shopping, Travel and Entertainment Discounts

	Up to 50% savings on brand name products by phone or online
	Prepaid shopping and dining gift cards
	Computer and equipment discounts
	Magazine subscription and movie ticket discounts
	Hotel, motel, rental car and vacation package discounts
	Savings at top stores and car maintenance at participating Sears Car Centers®

Interest Checking
Choose from three options that all offer:

	No monthly service charge with minimum balance
	Unlimited check writing
	Competitive interest rates

Interest Checking
Ideal for people who maintain higher balances and want to earn interest on their checking account balances.

Low minimum daily balance
Low minimum opening balance
Interest bearing on low minimum balance

Platinum Checking
Ideal for people who maintain moderate balances and want to earn interest on their checking account balances.

FREE for the first year regardless of balance
Small minimum daily balance required
Competitive, tiered interest rate
One FREE order of personalized checks at opening of account

Super Checking
Ideal for people who maintain higher balances and want to earn interest on their checking account balances.

Minimum balanced required
Highly competitive, tiered interest rate
One FREE order of personalized checks at opening of account

**The Franklin Plus Account is provided subject to your account agreement, disclosures and other account-related documents provided to you (your "Account Documents"). There is no time requirement to obtain the above listed features, and the features will be available as of the date of account opening. However, some features require additional procedures, such as separate applications and agreements, and receipt of identification and membership cards is dependent on the U.S. mail. A minimum $100 opening deposit is required to open the account. There is no minimum balance required to obtain the features listed above. The service charge is not imposed on accounts that maintain a minimum balance of $10,000; see our account opening documents or ask us for details. The Health and Security Benefits and the Shopping Travel and Entertainment Discounts are provided by various service providers through the Sisk Company. Franklin Bank is not responsible for the quality of such products and services or the performance of such vendors. The insurance portion of this product is provided by the Sisk Association, and premiums are paid by a portion of your service charge. The insurance portion is not insured by the FDIC or any federal government agency and is not guaranteed by Franklin or any other bank. Accounts subject to approval.

Some fees and restrictions may apply. Rates, terms, and programs subject to change without notice.