With TIB’s Truly FREE Checking, you get lots of somethings for nothing. With no minimum balance required on the account and unlimited check writing, this account offers a lot of freebies for those that want a truly FREE checking account.

• No monthly account service charge
• No minimum balance required
• Unlimited check writing
• FREE TIBLink Internet banking
• FREE Bill Pay via TIBLink
• FREE E-Statements*
• FREE ATM/Debit Card (no fee when used at TIB & Publix Presto! locations)
• FREE 24-hour telephone banking via Communi-Cay
• No direct deposit requirement

Minimum opening deposit: $100.00
*Required for this account.

This account offers loads of convenience at little or no cost.

• Unlimited check writing
• FREE TIBLink Internet banking
• FREE Bill Pay via TIBLink
• FREE E-Statements with check images
• FREE ATM/Debit Card (no fee when used at TIB & Publix Presto! locations)
• FREE 24-hour telephone banking via Communi-Cay
• No account service charge if the average daily balance of $500.00 is maintained, if not, a $6.00 account service charge will be imposed.

Minimum opening deposit: $100.00

This account is designed for our customers who prefer to maintain higher balances. Not only can account service charges be avoided, but TIB pays you interest on those funds based on the ending daily collected balance. The higher your balance, the greater your reward when you invest your money in a NOW Checking Account.

• Unlimited check writing
• FREE TIBLink Internet banking
• FREE Bill Pay via TIBLink
• FREE E-Statements with check images
• FREE ATM/Debit Card (no fee when used at TIB & Publix Presto! locations)
• FREE 24-hour telephone banking via Communi-Cay
• No account service charge if the average daily balance of $1,500.00 is maintained. If the average daily balance falls below $1,500.00, there will be a $14.00 account service charge.

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 opening deposit: $100.00

All the best features offered on our standard checking accounts rolled into one package.

• Unlimited check writing
• Premium interest rate paid on checking
• FREE TIBLink Internet banking
• FREE Bill Pay via TIBLink
• FREE E-Statements with check images
• A combined monthly statement
• FREE ATM/Debit card with increased daily withdrawal limit of $1,000.00 (no TIB fee when used at any ATM location*)
• FREE 24-hour telephone banking via Communi-Cay
• $35.00 annual fee reduction on any size safe deposit box
• Executive Line of Credit (if qualified)
• No charge for distinctive checks (one on a page)
• No charge for incoming wires
• Penalty waivers for withdrawals from Certificates of Deposit due to medical emergencies
• No monthly account service charge**

Minimum opening deposit: Combined balance of $5,000.00 in a checking & savings product (which includes savings, money market or Certificate of Deposit). IRAs are not included.

No fee charged for:

• Travelers checks
• Official checks
• Deposit of bond coupons
• Stop payment orders
• Notary service
• Copying service
• ATM usage (other ATM owners may impose usage fee)

* No TIB fee imposed for ATM usage at any ATM location. Other ATM owners may impose usage fee.

* *Should the required combined average daily balance in the product(s) fall below $5,000.00 during the monthly statement cycle, a $20.00 account service charge will be assessed against your Premium Checking account. IRAs are not included.

This account is designed for customers 50 years and over. We feel you have earned the right to enjoy these special benefits.

• No monthly account service charge
• No minimum balance required
• Unlimited check writing
• NOW interest rate paid on checking
• FREE TIBLink Internet banking
• FREE Bill Pay via TIBLink
• FREE E-Statements with check images
• FREE ATM/Debit Card (no fee when used at TIB & Publix Presto! locations)
• FREE 24-hour telephone banking via Communi-Cay
• Distinctive checks*
• Penalty waivers for withdrawals from Certificates of Deposit due to medical emergencies

Minimum opening deposit: $100

No fee charged for:

• Travelers checks
• Official checks
• Deposit of bond coupons
• Stop payment orders
• Notary service
• Copying service

* Distinctive checks are supplied at no cost, or a $6.00 credit is given towards a check of your choice.

Gives you easy access to a line of credit up to $5,000.00. For added convenience, the line of credit is attached to your personal checking account after credit approval. Funds are transferred in increments of $100.00.

• Easy access to funds
• Simplified customer accounting
• One quick credit approval process
• Available for Debit Card purchases

This account provides an excellent place to put excess funds which remain accessible. When linked to your TIB checking, it is easy to watch this account grow with an automatic monthly transfer.

Interest is compounded daily, and will be credited to your account at the end of each quarter.

Minimum balance to earn interest is $100.00

A quarterly account service charge of $5.00 will be charged if the daily balance in the account falls below $200.00 any day of the quarter.

More than six (6) withdrawals per quarter are charged an excess activity service charge of $5.00 each.
(TIB-ATM withdrawals are excluded)

Minimum opening deposit: $100.00

This account provides higher interest than the Regular Savings account keeping your excess funds accumulating interest while remaining accessible.
Interest is compounded daily, and will be credited to your account at the end of each quarter.

Minimum balance to earn interest is $1,000.00

A quarterly account service charge of $10.00 will be charged if the daily balance in the account falls below $1,000.00 any day of the quarter.

More than six (6) withdrawals per quarter are charged an excess activity service charge of $5.00 each.
(TIB-ATM withdrawals are excluded)

Minimum opening deposit: $1,000.00

The ideal account for children and students under the age of 18*. They can watch their savings grow with interest earned.

• No minimum opening balance requirement
• No account service charge
• Interest is paid on the entire balance

Account Limitations:

More than six (6) withdrawals per quarter are charged an excess activity service charge
of $5.00 each. ATM card is not available.

Please note that federal regulations require certain transaction limitations on all savings and money market accounts. See depository agreement for details.

* The account must be established jointly with a related adult.

TIB offers its customers a choice of time savings instruments from 30 days to five (5) years. The interest rate is determined by the length of time the funds are placed on deposit.

Minimum deposit: $1,000.00

TIB's powerful, high-performing Money Market Accounts can be accessed by check, phone, ATM, and TIBLink Internet banking.

As your balance increases, so does the interest rate. This provides you with the ability to stay current with the rise and fall of rates, without being locked into a fixed rate.

Features Include:

• Tiered balance pricing
• Interest is compounded daily and credited monthly
• FREE 24-hour telephone banking via Communi-Cay
• FREE TIBLink Internet banking
• FREE Bill Pay via TIBLink
• FREE E-Statements with check images

Minimum opening deposit: $100.00

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