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Important information and frequently asked questions for First Advantage Bank clients with personal accounts.

Personal Accounts

As a Reliant Bank customer, you will have access to a variety of products and services, and then some! On Monday, May 11, 2020, your account(s) will transition into the Reliant Bank account most similar to your existing account(s) with First Advantage Bank. If you are uncertain of the type of account you currently hold with First Advantage Bank, refer to your last checking or savings statement. Then, review the Personal Accounts conversion chart on the next page to determine the name of your new Reliant Bank account.

Terms for your new account are included in the next section of this guide. Please be certain to compare, as account features may be different. For a complete list of Reliant Bank products and services, visit www.reliantbank.com. Contact your local branch for assistance if you have any questions on whether your new Reliant Bank account is best suited for your needs.

Conversion Chart

logocompare

Individual HSA
Family HSA

HSA3

Max Earnings
Max Earnings with Perks1

Max Earnings2

Basic Checking
Advantage Basic1

Traditional Checking3

Advantage Interest1

Interest Checking3

Personal MMA
High Yield MMA4

Consumer Money Market3

Systematic Savings
Basic Savings
High Interest Savings

Regular Savings3

Youth Savings Account

Student Savings3

Christmas Club

Christmas Club3

Retirement Growth

IRA Savings3

1. Beginning May 8, 2020, membership in Member Headquarters Association that delivers these benefits: travel accidental death insurance; payment card protection; personal identity protection; identity monitoring; cell phone protection; roadside assistance; pharmacy savings; vision care savings; hearing savings; and travel, dining, shopping and entertainment discounts will be discontinued. Likewise, access to benefits at BaZing.com and on the BaZing mobile app and all supporting customer services associated with these benefits will be discontinued.

2. These accounts are grandfathered and retain most of their existing terms and conditions. A grandfathered account means, as part of the data conversion, we map active accounts of this type to the Reliant system. Following the conversion, any account of this type is retained; however, it is not available to new or existing customers as part of Reliant’s active product suite.

3. Terms for these accounts are included on the following pages. For complete details about all Reliant Bank products, visit the website at www.reliantbank.com.

4. Current rates on these accounts will be maintained at conversion, but are subject to change based on market conditions.

 

Frequently Asked Questions for Personal Accounts

The majority of account numbers will remain the same. Any customer who must establish a new account number will be contacted on an individual basis, prior to conversion.

Personal Account Information

HSA

$5 monthly service charge
  • $100 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • Interest earnings are compounded monthly and credited monthly
  • $0 No minimum balance requirement to earn interest
  • Free Debit Card*
  • Rate Tiers (applies to entire balance of account)

    $0.00 - 99,999.99 $100,00.00 or more
  • *$10 charge for debit card replacement

    **3rd party data and internet charges may apply


Traditional Checking

$6 monthly service charge
  • $100 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • Free Debit Card*
  • Fee-free access to ATMs in the MoneyPass® Network
  • Free Mobile Banking**
  • Free e-statements with check imaging
  • Free Online Banking and Bill Pay**
  • *$10 charge for debit card replacement

    **3rd party data and internet charges may apply

    Traditional Checking is a grandfathered account. A grandfathered account means, as part of the data conversion, we map active accounts of this type to the Reliant system. Following the conversion, any account of this type is retained; however, it is not available to new or existing customers as part of Reliant’s active product suite.


Max Earnings1

$6 monthly service charge
  • $100 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • Interest earnings are compounded monthly and credited monthly
  • $0 No minimum balance requirement to earn interest
  • Free Debit Card*
  • Free Mobile Banking**
  • Free Online Banking and Bill Pay**
  • Free e-statements with check imaging
  • Preferred Rate on Certificates of Deposit
  • Fee-free access to ATMs in the MoneyPass® Network
  • Rate Tiers (applies to entire balance of account)

    $0.00 – $9,999.99 $10,000.00 - $49,999.99
    $50,000 or more  
  • 1 Reimbursement of foreign ATM fees no longer applies.

    *$10 charge for debit card replacement

    **3rd party data and internet charges may apply

    Max Earnings is a grandfathered account. A grandfathered account means, as part of the data conversion, we map active accounts of this type to the Reliant system. Following the conversion, any account of this type is retained; however, it is not available to new or existing customers as part of Reliant’s active product suite.


Interest Checking

$8 monthly service charge
  • $1,500 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • Interest earnings are compounded monthly and credited monthly
  • $0 No minimum balance requirement to earn interest
  • Free Debit Card*
  • Fee-free access to ATMs in the MoneyPass® Network
  • Preferred Rate on Certificates of Deposit
  • Free Mobile Banking**
  • Free e-statements with check imaging
  • Free Online Banking and Bill Pay**
  • Rate Tiers (applies to entire balance of account)

    $0.00 - 1,499.99 $1,500.00 or more
  • *$10 charge for debit card replacement

    **3rd party data and internet charges may apply


Personal Savings Accounts

Consumer Money Market

$10 monthly service charge
  • $1,000 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • 6 Free withdrawals per month; $10 charge for each debit over 6 per month
  • $1,000 No minimum balance requirement to earn interest
  • Interest earnings are compounded monthly and credited monthly
  • Free Mobile Banking**
  • Free e-statements
  • Free Online Banking**
  • Rate Tiers (applies to entire balance of account)

    $1,000.00 – $9,999.99 $10,000.00 - $99,999.99
    $100,000.00 - $499,999.99 $500,000 - $999,999.99
    $1,000,000 or more  
  • **3rd party data and internet charges may apply

    Certain types of withdrawals from Money Market accounts have regulatory limits. Electronic withdrawals/transfers and checks/drafts to third parties are limited. Money Market accounts are limited to six (6) per calendar month.


Regular Savings

$5 monthly service charge
  • $100 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • 6 Free withdrawals per month; $5 excess activity charge will be imposed for each withdrawal in excess of 6
  • Interest earnings are compounded monthly and credited quarterly
  • No minimum balance requirement to earn interest
  • Free Mobile Banking**
  • Free e-statements with check imaging
  • Free Online Banking**
  • Rate Tiers (applies to entire balance of account)

    $0.00 - 99,99.99 $100,000.00 or more
  • **3rd party data and internet charges may apply


Student Savings

$0 No monthly service charge
  • $0 No Minimum Balance Requirements
  • 6 Free withdrawals per month; $5 excess activity charge will be imposed for each withdrawal in excess of 6
  • Interest Earnings are compounded monthly and credited quarterly
  • Free e-statments
  • Free Mobile Banking**
  • Free Online Banking**
  • **3rd party data and internet charges may apply

    Certain types of withdrawals from savings accounts have regulatory limits. Electronic withdrawals/transfers and checks/drafts to third parties are limited. Savings accounts are limited to six (6) per month.


Christmas Club

$0 No monthly service charge
  • Interest earnings are credited with the annual lump distribution
  • Annual lump sum distribution on November 1, of each year
  • Early withdrawal automatically closes the account
  • Interest earned on all balances
  • Christmas Club is a grandfathered account. A grandfathered account means, as part of the data conversion, we map active accounts of this type to the Reliant system. Following the conversion, any account of this type is retained; however, it is not available to new or existing customers as part of Reliant’s active product suite.


IRA Savings

$5 monthly service charge
  • $100 Minimum Daily Balance Requirement (to avoid the Monthly Service Charge)
  • No minimum balance requirement to earn interest
  • 6 Free withdrawals per month; $5 excess activity charge will be imposed for each withdrawal in excess of 6
  • Interest Earnings are compounded monthly and credited monthly
  • Free E-statements
  • Free Online Banking**
  • Free Mobile Banking**
  • **3rd party data and internet charges may apply


Certificates of Deposit (Fixed Rate) Accounts

The current interest rate, terms, maturity date and other features of your certificate of deposit account will remain the same. After conversion, the following forfeiture changes will apply:

Early withdrawal penalties if certificate of deposit term is in days:

  • Term 7–31 days: The amount of interest that would have been earned for one-half of the original term, or the accrued interest, whichever is greater.
  • Term 32–89 days: 30 days of interest on the amount withdrawn.
  • Term 90–364 days: 90 days interest on the amount withdrawn.
  • Term 365 or greater: 180 days interest on the amount withdrawn.

Early withdrawal penalties if certificate of deposit term is in months:

  • Term 2 months: 30 days of interest on the amount withdrawn.
  • Term 3–11 months: 90 days interest on the amount withdrawn.
  • Term 12 months or greater: 180 days interest on the amount withdrawn.
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