The words “you” and “your” refer to all persons named on the application for an account, on the account agreement/signature card for an account,
on any checks or cards for an account, or who sign or use any checks or cards on an account. The words “we” and “us” refer to First National Bank of
Omaha and our divisions that operate under the names First National Bank, First National Bank Southwest, First National Bank Fremont, First National
Bank North Platte and Castle Bank.
DISCLOSURE OF ACCOUNT TERMS FOR FIRST NATIONAL HEALTH SAVINGS ACCOUNT
The following terms apply to all interest-bearing Checking Accounts:
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Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). In other
words, interest is paid on collected balances.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal
balance in the account each day.
Interest for your account will be compounded and credited monthly.
You must maintain the applicable minimum balance as disclosed on the Rate Sheet in the account each day to obtain the disclosed Annual
Percentage Yield. Current interest rates and Annual Percentage Yields are shown on the Rate Sheet which we have provided to you.
Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account daily.
Fees may reduce earnings.
Upon closing of an account, all interest accrued will be paid on the account without penalty.
FEE SCHEDULE
INTEREST-BEARING CHECKING ACCOUNTS
Minimum deposit amounts required to open these accounts are shown on the Rate Sheet.
First National Health Savings Account
o
Monthly Maintenance Fee
$3.00
o
No Initial Set up Fee
$0.00
o
No Monthly Fee for BillPay
$0.00
First National Health Savings Account Addendums
You assume sole responsibility for all tax consequences associated with your contributions, determining your eligibility, and ensuring
that such contributions are in compliance and do not exceed the annual maximum amount. You understand that it is not the
custodian’s responsibility to determine whether contributions to your HSA exceed the annual limit.
Contribution limits are as follows:
Calendar Year 2013
Calendar Year 2014
Self Only
Family
Self Only
Family
Annual HSA Contribution Limit
$3,250
$6,450
$3,300
$6,550
HDHP Minimum Deductible
$1,250
$2,500
$1,250
$2,500
HDHP Out-Of-Pocket Limit (includes
deductibles, co-payments, and other
amounts but not premiums)
$6,250
$12,500
$6,350
$12,700
Catch Up Contribution Limits
$1,000
$1,000
These amounts are subject to cost-of-living adjustments. Unless directed otherwise in writing, we will consider contributions made during a calendar
year as contributions for that year.
The custodian/trustee will not accept contributions that exceed the maximum amount for family coverage plus catch-up contributions. You are
responsible for determining whether your contributions to your HSA have exceeded the maximum annual contribution amount.
Fees shall be deducted directly from your HSA assets. The payment of fees are included as part of your annual contribution limit.
You understand that the custodian/trustee is not responsible for determining whether your distribution is for payment/reimbursement of qualified
medical expenses.
In the event your HSA account becomes overdrawn because a withdrawal or transfer of funds from your HSA is greater than the available balance of
funds in your HSA, we have the discretion to either permit or deny the withdrawal or transfer. A withdrawal or transfer includes any transaction that
debits your account, regardless of the form of transaction (e.g. checks, debit cards, fees or charges).
If your HSA becomes overdrawn, you must immediately make a deposit covering the withdrawal. It is important for you to note that under certain
situations such deposits may result in your HSA having an excess contribution, which may have tax implications. Therefore, you should consult your
personal tax advisor with respect to any of the potential tax consequences to any deposit made to and/or withdrawal made from your HSA account.
We may deduct the insufficient fund fees (which include Return Item Fee and Overdraft Item Fee) shown in the Fee Schedule from your HSA. If we
sue to collect on any overdraft, we shall be entitled to collect all costs and expenses of the suit from you or any of your heirs, successors or assignees.
If you designate a signer on your account, you are responsible for transactions initiated by the designated signer. We will provide you with annual
statements on the distributions from and contributions to your account.
MEMBER FDIC
Omaha
3-31-2014
OTHER FEES FOR PERSONAL ACCOUNTS
The following fees apply to your account:
Depends on the style of checks ordered
Check Printing
Custom Show Your Support Debit Cards Monthly Card Fee (limited to our Lincoln,
Omaha and Western Iowa branches)
$3.00
o Custom Jays Debit Card
o Custom Huskers Debit Card
$3.00
Dormant Accounts:
o Monthly Dormant Fee (to be charged every month the account is dormant
as provided for in the Deposit Agreement)
Foreign Currency Exchange4
$10.00
Depends upon currency and date of exchange
Non-First National Bank of Omaha ATM Fee 2:
$2.00
o Balance Inquiry or Transfers
$3.00
o Cash Withdrawal (per transaction)
Overdraft Item Fee (maximum 4 per day)5
$33.00
$2.00
Photocopy of Check
Research Fee (per hour with a one hour minimum)
$25.00
Returned Foreign Check Item (per item)
Return Item Fee (maximum 4 per day)5
Stop Payment:
$38.00
$33.00
$33.00
o Per Check, ACH, Bill pay, or Pre-authorized Visa Debit Card Transaction
$33.00
o Per Renewal
Statement Processing:
o Copy of Statement (per statement)
$5.00
o Duplicate Statements (per statement)
$7.00
$5.00
o Hold Statement at Bank (per statement)
$10.00
o Returned Statements (per statement)
Statement Reconciliation:
No Charge
o Current Month
$25.00
o Previous Months (per hour with a one hour minimum)
Wire Transfer (Domestic) (wires after 4:00 p.m. CST will process the next business day)6:
$15.00
o Outgoing
6
Wire Transfer (Foreign) (wires after 4:00 p.m. CST will process the next business day) :
o Outgoing (US funds)
$35.00
o Outgoing (foreign funds)
$25.00
1
The average daily balance is calculated by adding the principal balance in the account for each day of the statement period and dividing that figure by the number of
days in the statement period.
2
An ATM is considered a Non-First National Bank of Omaha ATM if it is not branded with the
logo. Contact a Personal Banker for a complete listing of the
logo ATMs. If we own the Non-First National Bank of Omaha ATM: (1) we will not charge you a Non-First National Bank of Omaha ATM Fee for using it (2) if
a surcharge applies, it will be disclosed at the ATM (currently such “owned Non-First National Bank of Omaha ATM surcharges” do not exceed $10.00). In some cases,
you may be entitled to a waiver or reimbursement of these fees under the terms of your deposit account. “Free withdrawals from Non-First National Bank of Omaha
ATMs,” means that Non-First National Bank of Omaha ATM cash withdrawal fees do not apply (“owned Non-First National Bank of Omaha ATM surcharges” still apply,
but may be reimbursed to the extent that your account terms cover Non-First National Bank of Omaha ATM surcharge reimbursements). If you use an ATM that is not
operated by us, you may be charged a fee by the operator of the machine and/or by any network used (and you may be charged a fee for a balance inquiry even if
you do not complete a transaction).
3
A corresponding checking account relationship must be maintained to qualify for the Customer First Complete and Customer First Premier Savings or Money Market
accounts. If that relationship does not exist, the savings or money market account could be converted to the appropriate product. Customer First Regular Checking,
Customer First Classic Checking, Customer First Green Checking, Ram Checking and College Connect Checking customers qualify for the Customer First Savings or
Customer First Money Market. Customer First Student Checking customers qualify for the Customer First Minor Savings if the customer is under 18 or Customer First
Savings or Money Market if the customer is 18 or over. Customer First Complete Checking customers qualify for the Customer First Complete Savings or Customer
First Complete Money Market. Customer First Premier Checking and First At Work Benefit Checking customers qualify for the Customer First Premier Savings or
Customer First Premier Money Market. First National Premier Checking / Castle Premier Checking, First At Work Benefit Checking and First National Checking –
Employee / Castle Checking – Employee customers qualify for the First National Premier Savings / Castle Premier Savings or First National Premier Money Market /
Castle Premier Money Market. First National Checking / Castle Checking customers qualify for the First National Savings / Castle Savings or First National Money
Market / Castle Money Market. If no checking account relationship exists customer qualifies for the Basic Savings or Basic Money Market. Employee Savings and
Employee Money Market accounts require employment at First National Bank of Omaha.
4
Contact Global Banking at (800) 228-4411 for applicable fee information.
5
An Overdraft Item Fee or Return Item Fee may be created by checks, in person withdrawals, ATM withdrawals, or other electronic means as applicable.
6
Third parties or other banks may impose additional charges in addition to those set forth herein.
MEMBER FDIC
Omaha
3-31-2014