If you are tired of all those miscellaneous fees charged to your checking account, you need MyLife Checking. This account offers you LifeLock and Air Evac Helicopter Service at discounted membership fees, The Better Health Package and much more!

IDENTITY THEFT SOLUTIONS

LifeLock^® Identity Theft Program^®
Requires Separate Enrollment

LifeLock is an optional feature available to account holders of MyLife Checking for an additional fee and requires separate enrollment.
MyLife Checking account holders are entitled to one LifeLock Standard™ membership per account for a 40% discount off the membership list price or a 15% discount off LifeLock Ultimate Plus™ membership. You can also enroll additional household members and get a 10% discount off the membership list price for LifeLock Standard™ or LifeLock Ultimate Plus™. *Terms apply.

You may be mindful about taking steps to protect your identity, but you can miss certain threats if you’re just monitoring your credit and bank statements. LifeLock sees more, like someone taking out an online payday loan in your name or changing your address without authorization, or that your personal information is on the dark web.

Our proprietary technology detects and alerts you to a wide range of identity threats. † If you’re ever a victim of identity theft, a dedicated, U.S.-based Identity Restoration Specialist will personally handle your case from start to finish and help fix it. We also help you keep what’s yours, yours, with our Million Dollar Protection™ Package††† which includes reimbursement for stolen funds and coverage for personal expenses–each with limits of up to $25,000, up to $100,000 or up to $1 million based on the limits of your plan–and our coverage for lawyers and experts, if needed, to help resolve your case.

More Detection. More Protection. LifeLock.com | 1-800-LifeLock

No one can prevent all identity theft.
†LifeLock does not monitor all transactions at all businesses.

††† Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Standard. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.

For more information, visit the LifeLock website.

LifeLock is DISCOUNTED with MyLife Checking and requires separate enrollment.
* Network does not cover all transactions and scope may vary.

CyberScout

If you become a victim of identity theft, call the toll free number and you will be assigned to a highly qualified personal advocate who is the single source of contact in helping you resolve your problem from start to finish. You save time, avoid frustration and the problem gets corrected with the help of an expert. For more information, visit the CyberScout website.

Air Evac Lifeteam Discount

Fast, Professional, Safe and Courteous Save money with an Air Evac Lifeteam membership. Since 1985 they have provided rural communities fast, safe, and courteous emergency medical service. Their professional crews of nurses, medics and pilots operate medically-equipped helicopters that rapidly transport patients to the nearest appropriate emergency facility. As a member, whatever your insurance company pays will be considered payment-in-full for your flight. For more information, visit the Air Evac Lifeteam website.

$10,000 Accidental Death & Dismemberment Insurance and $100,000 Scheduled Airline Insurance

Coverage is provided immediately at no additional charge. For a joint account, total coverage is divided evenly. Coverage includes several additional benefits related to accidental deaths or dismemberment.

FINANCIAL SERVICE

No Minimum Balance Required.

Your MyLife checking account will be charged the same amount every month – $6.50..

Personalized Checks Our standard basic checks will be provided to you at no charge. If you select something other than standard basic checks, there will be an additional charge.

Safe Deposit Box Discount An annual $5.00 discount will apply to the rental price of any size safe deposit box depending upon availability.

Stop Payment Discount Receive one $5.00 discount off the normal stop payment fee each month.

CONVENIENCE BANKING

MyWeb Bill Pay Put an end to the hassle by paying bills over the internet. Now you can enjoy the simple convenience of bill paying from the comfort of your own home or anywhere else you like. Ask for more details.

Online and Mobile Banking Have access to your account 24 hours a day, 7 days a week, at no additional charge through our online and mobile banking service. Ask for more details.

24-Hour Banking Banking made easy with your ATM/Debit card ... 24-hours-a-day, 7-days-a-week, 365-days-a-year. As a member of MyLife Checking, there are no fees for withdrawals on bank premises.

Conveniently Located First Neighbor Bank has nine locations in seven great communities. For all of your banking needs visit us in Casey, Charleston, Greenup, Mattoon, Neoga, Newman, Paris, Toledo and Tuscola.

LENDING & OVERDRAFT PRIVILEGES

Reduced Rates On Installment Loans As a member of MyLife Checking, you are eligible for a reduced rate on installment loans of $4,000 or more when approved and with an automatic monthly payment.

$50 Discount On Mortgage Closing Costs When you finance a home with us you’ll receive $50 off your regular loan closing costs.  A coupon for this benefit will be given to you after you open your MyLife account along with other materials.  Coupon must be presented at time of application.

Extend A Loan Privilege During any twelve month period, you may skip a loan payment by merely paying the accrued interest on the loan. No additional service fee is charged. Just contact your Loan Officer for details.

ODA You may apply for an ODA loan to prevent check charges for insufficient occurrences. These loans are subject to approval. Ask for further details.

FNB PERKS

Free Life Insurance Review** Find out if your family’s needs will be met with a free Life Insurance Review provided by First Neighbor Investments.** Coupon must be presented.

Tax Preparation Discount* Why take a chance with the IRS? A one-time $10-off tax return preparation discount is included with MyLife Checking. Coupon must be presented to get this discount at First Neighbor Tax and Accounting*.

CD Bonus As a MyLife Checking member, you will receive a coupon good for a Certificate of Deposit rate of 10 basis points higher than our stated rate for a CD balance of $10,000 or more. The one-time coupon expires one year from opening your MyLife Checking, and some restrictions apply.

BETTER HEALTH PACKAGE

Neighborhood Pharmacy Obtain the lowest price on short-term acute care prescription drugs. Use your card at chain and independent pharmacies nationwide. Save on your out-of-pocket expenses. Discounts range from 10% to 60% on most medications.

Mail Order Pharmacy Maximize your savings on maintenance medications by ordering 90 days at a time. Save an average 10% compared to AARP and beat the retail by an average of $5 with no postage or dispensing fees. Feel comfortable knowing a 7-point quality assurance test is performed prior to shipping.

Coast to Coast Vision Now you and your family can obtain substantial savings on eye wear and eye care. There is no limit on the number of times you and your family may use your Coast to Coast membership during the year. By contracting with over 12,000 eye care locations nationwide, Coast to Coast can give you 20% to 60% discounts on eyeglasses and 10% to 20% on contact lenses (excluding disposables), and other items offered at retail in the provider’s office. CTC also contracts with ophthalmologists in selected markets across the United States to provide members with discounts of 10% to 30% on eyeglasses, contact lenses, eye exams and surgical procedures (including LASIK) where available.

Beltone Hearing Discounts Hearing impairments constitute a major threat to a healthy and happy lifestyle. Estimates show that up to 25% of Americans over the age of 55 suffer from hearing loss. That’s why we have made arrangements with a hearing service for fantastic discounts on hearing exams and instruments. Members may select from over 1,200 Beltone locations nationwide to receive a free hearing exam and 15% off audio devices.

Mail Order Hearing Aid Discounts Members can save 10% to 60% off the normal retail cost of hearing instruments on many top brand-name manufacturers. We offer a free 45-day trial on hearing instruments at no risk or obligation.

NO ISSUE FEES*

As a member of MyLife Checking, you will be able to waive fees for:

• Money Orders
• Photocopies
• Counter Checks
• Snap Statements

*Some restrictions may apply. Read the Terms and Conditions of Your Account.