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 Focus Free Checking:

*2015 FOCUS Bank. Member FDIC. Effective September 26, 2017, bonus offer is only available to accounts opened inside a FOCUS Bank branch NOT ONLINE at www.focusbank.com and does not apply if you already have a FOCUS Bank checking account and may not be combined with any other offers. A $50 bonus will be paid for opening this account after the account has been open for 30 days. To be eligible for this bonus, the account balance must be positive on the 30th day after opening. Bonus will be paid within 10 days of qualification. An additional $25 will be paid if the customer enrolls for eStatements within the first 60 days after opening the account. Bonus will be paid within 10 days of qualification. An additional $25 will be paid if the customer has a recurring direct deposit of a minimum of $25 within the first 60 days after opening the account. Bonus will be paid within 10 days after direct deposit has been received and posted to the account. If the above requirements are not met with in the required time frames, the offer is no longer valid. Limited to one (1) account per household. A debit card is a requirement with this account. Your bonus will be reported as interest earned on IRS Form 1099 - INT and you are responsible for any applicable income taxes. Other restrictions may apply.

**Customers must receive eStatements in order to have free Bill Pay.

Fresh Start Checking:

All customers applying for a Fresh Start Checking account must have repaid any balances owed to FOCUS Bank before account will be opened. Any Fresh Start account with a negative balance for 60 days will be closed. All insufficient items will be returned and fees may be assessed.