Checking


 

 1st Choice Checking
 
1st Free Checking
 Summit Checking

 Investors Checking

 

Savings


 

 1st Money Market
 1st Statement Savings
 Christmas / Vacation Club
 Buckaroo Minor Savings

 NC Savers 

 

Special Services


 

 1st Touch Telebanc
 Mountain 1st ATM / Debit Card- Visa 
 Certificates of Deposit
 Safe Deposit Boxes
 Individual Retirement Account
 

 Health Savings Account (HSA)

 1st Choice Checking
Minimum to Open Account: $100.

No monthly maintenance fee if $1,500 minimum daily balance is maintained or if balance in all deposit accounts equal $10,000 or more. $15 monthly maintenance fee if balances are not maintained.

Includes No Fees on ATM/Debit Card Usage, Check Imaged Statements, First order of checks free, Free Online Banking, Free Online Bill Pay, Free 1st Touch Telebanc, and a Free 3X5 Safe Deposit Box or $25 credit on larger sizes. Limit one per household.

Interest paid on balances of $500 or more. Compounded daily.

 1st Free Checking
Minimum to Open Account: $50.
No monthly maintenance fee.

Includes No Fees on ATM/Debit Card Usage, Free Online Banking, Free Online Bill Pay, and Free 1st Touch Telebanc. E-statements required. 

Non-interest bearing account.

 Summit Checking
Minimum to Open Account: $100.

No monthly maintenance fee if $500 minimum daily balance is maintained or if balance in all deposit accounts equal $5000 or more, or a monthly direct deposit.

 

 

$10 monthly maintenance fee if balances are not maintained or without direct deposit.

Includes No Fees on ATM/Debit Card Usage, Check Imaged Statements, First order of checks free, Free Online Banking, Free Online Bill Pay, Free 1st Touch Telebanc.

 

Interest paid on balances of $500 or more. Compounded daily.

 

 Investors Checking

Minimum to open account: $10,000

No monthly maintenance fee if $10,000 minimum daily balance is maintained or if balance in all deposit accounts equal $25,000.00 or more.

 

$25 monthly maintenance fee if balances are not maintained.

 

Includes no fees on ATM/Debit Card usage, Check Imaged Statements, Free Investors Checks, Free Online Banking, Free Online Bill Pay and Free 1st Touch Telebank. Includes a free 3x5 Safe Deposit Box or $25 credit on larger sizes. Limit one per household.

 

Interest paid on tiered balances. 

Compounded daily.

 

 1st Money Market

Minimum to Open: $1,000.
Balance Requirements: No monthly maintenance fee if you maintain a $1000 minimum daily balance.

 

$15 monthly maintenance fee if balance is not maintained.

Excessive Transaction Fee: $10 for each check or preauthorized transfer in excess of 6 per month.

Interest paid on tiered balances.

Compounded daily. 

Free first order of Mountain 1st Money Market Checks.

 1st Statement Savings
Minimum to Open: $100.
Balance Requirements: No monthly maintenance fee if $200 minimum daily balance is maintained.

 

$3.00 monthly maintenance fee will be imposed every month if the balance in the account falls below $200.00 any day of the month. 

 

A Service-Chargeable Debit of $2.00 will be charged for each withdrawal/transfer in excess of six (6) per month.

 

Interest paid on all balances.

Compounded daily. 


 Christmas / Vacation Club
Minimum to Open: $10.
Balance Requirements: No balance requirement.

Service Charges: $25 withdrawal fee for any withdrawal prior to maturity. Christmas Club 11/10, Vacation Club 6/1.

Interest paid at maturity.

Compounded daily.

 

Requires a checking relationship to qualify and automatic transfer from Mountain 1st account.

 Buckaroo Minor Savings
Minimum to Open: $25.
Balance Requirements: No balance requirement.

Service Charges: No service charges.

Interest paid on all balances.

Compounded daily.

 

Must be under 18 and requires a custodian.

 

At the age of eighteen (18), this account will convert to the same service charges as the Bank's 1st Statement Savings Account. At that time a maintenance fee of $3.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month. 

 

A Service-Chargeable Debit of $2.00 will be charged for each withdrawal/transfer in excess of six (6) per month 

 

 NC Savers

Minimum to Open: $1.00

Balance Requirements: No balance requirement.

  

A Service-Chargeable Debit of $2.00 will be charged for each withdrawal/transfer in excess of six (6) per month.

 

Interest paid on balances of $100 or more.

Compounded daily.

 

Participants must enroll in the North Carolina Saver program before opening.  Enroll at NorthCarolinaSaves.org.

 1st Touch Telebanc
1st touch Telebanc is Mountain 1st Bank & Trust's automated telephone service that allows you to access your accounts 24 hours a day, seven days a week.

Review your accounts
Inquire about checks
Transfer funds
Make loan payments
Place stop payments
Activate Visa Check Card

Report lost or stolen ATM / Debit Card-Visa

1st Touch Telebanc toll free 1-888-730-7520

 Mountain 1st ATM / Debit Card- Visa
The Mountain 1st Debit Card is a great alternative to writing checks. It can be used anywhere VISA is accepted. It also functions as your ATM card at any CIRRUS or NYCE enabled ATM. Out customers are never charged to use our ATMs.

 Certificates of Deposit
Mountain 1st Certificates of Deposit (CD's) allow you to invest as little as $500 with terms ranging from 7 days to 5 years. All are FDIC insured up to the allowable amount. See a customer service consultant for current rate information.

 Safe Deposit Boxes
All Safe Deposit Boxes require a Mountain 1st Checking Account

 

3 X 5    $25
3 X 10  $50
5 X 10  $70
10 X 10  $100
Fee for Lost Key  $50
Drilling Fee  $200 

 

 Individual Retirement Account  (IRA)
Mountain 1st Individual Retirement Accounts represent an excellent safe investment opportunity for your future. Choose from Certificates of Deposit with terms ranging from 1 year to 5 years or a variable rate money market account. Take advantage of the tax savings while having the security of FDIC protection. Other retirement plans available include Roth IRA's, Coverdell, and SEP accounts.

 

 Health Savings Account (HSA)

A Health Savings Account is an account that can receive contributions on a tax-favored basis on behalf of an eligible individual and allows tax-free distributions used to pay for qualified medical expenses. Stop by and inquire at any of our branch locations. Requires a Mountain 1st Checking Account.