2.  First Citizens Bank › 1715 Whiskey Rd Aiken (803) 641-2265 Notional  Southern Bank & Trust › 149 Laurens St Nw Aiken (803) 649-4240 National  Bank of America › 167 Laurens St SW Aiken (803) 642-6448 National

3.  1968: Anderson Bank of Dillon, S.C., grew through mergers and its name changed to the Citizens Bank of South Carolina.  1970: The Commercial Bank and Trust Company of South Carolina merged with the Citizens Bank of South Carolina and became First Citizens Bank and Trust Company of  South Carolina, headquartered in Columbia, S.C.  2003: First Citizens entered the Georgia market by acquiring First Bank and Trust and the Bank of Toccoa.

4.  Southern Bank is a wholly owned subsidiary of Southern BancShares (N.C.), Inc. With its Corporate Headquarters located in Mount Olive.  The Bank has total assets in excess of $2 billion and 65 locations serving eastern North Carolina and Virginia.  One of the 10 largest banks in North Carolina

5.  2004 they purchase FleetBoston Financial Corporation, extending the franchise throughout the Northeast, forming the first truly nationwide bank.  2006 they acquire MBNA, making Bank of America the largest credit card issuer in the industry.  In 2009 The company held 12.2% of all bank deposits in the United States.  In 2010, Forbes listed Bank of America as the third biggest company in the world.

6. Meet one of the following during each statement cycle: Make an automatic transfer of $25 or more from your checking to savings account Maintain a minimum daily balance of $300 or more Link your account to your Bank of America Advantage account (waiver applies to first 2 savings accounts)

7.  Meeting the amount required with a combined monthly balance, or completing a set number of transactions a month will waive or lower the fee.  Make sure that you keep your funds above the minimum requirement for the account.  Decide how often you will be using the funds in this account and choose an account to support that level of activity.

8. Balance to Open $100 Minimum Balance to Avoid Maintenance Fee $200 $3 Maintenance Fee If Below Minimum $5 Charge Per Withdrawal After 6 Per Month Maintenance Fee Waived for Accounts Held by Minors Free eStatements

9. First Citizens  Available 24 hours a day, seven days a week.  Citizens Bank Mobile Banking App for the iPhone ® and Android ™. It's free* to download, easy to use, and makes banking more convenient.  Start paying your bills right away after enrolling. Plus, our helpful calendar will assist you in determining the earliest day your bills can be paid.  Access statements and history to help manage your account. Bank of America  You can pay virtually anyone at any time from anywhere in the United States using your Bank of America checking or money market account.  You may also pay a limited group of merchants with your Home Equity Line of CreditFootnote or a checking or money market account outside Bank of America.  you can choose to receive eBills (electronic versions of your paper bills) from your Bank of America credit card and a large number of companies like AT&T Long Distance, Sears and Texaco. Southern Bank & Trust  View your actual checks front and backTransfer money between accounts anytime  View all transactions as they occur  Download your transactions into MS Money, Quickbooks, or Quicken  View and print your statements  Payments can be made on your southern bank loan