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Regular Checking Accounts CD/IRAs
Interest Bearing Checking Accounts Loans
Savings Accounts Other Services
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Specialty Products:

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First National Bank's Online Banking System

MasterCard ATM/Check Card

Advantage Checking


 

REGULAR CHECKING ACCOUNTS

 

E-Free Checking

 

  • $50.00 minimum opening deposit
  • Account is not subject to monthly account maintenance or per item fees
  • Unlimited transactions without a minimum balance requirement
  • Free MasterCard Debit card
  • Free Online Banking
  • Free Bill Pay
  • Free bank by phone
  • No monthly paper statements will be mailed on this account
  • Statements will be available in Online Banking

 

Regular Checking

 

  • $50 minimum opening deposit
  • Unlimited check writing
  • No Monthly Fee for balances $500 and over
    $1 fee for balances $400 to $499
    $2 fee for balances $300 to $399
    $3 fee for balances $200 to $299
    $4 fee for balances $100 to $199
    $5 fee for balances less than $100

 

Advantage Checking

 

  • Unlimited check writing
  • No minimum balance requirement
  • Credit File Monitoring
  • Accidental Death and Dismemberment Insurance
  • Entertainment and Travel discounts
  • 50% discount on Safe Deposit Box rental
  • $5000 Indentity Fraud Expense Reimbursement Coverage
  • Cash back member rewards
  • Monthly fee of $5.00

 

Senior Citizens Account

 

  • Available for ages 55 and older
  • Unlimited check writing
  • No minimum balance requirement
  • No monthly service charge
  • Free safety paper checks

 

Student Checking Account

 

  • Available to full time students
  • Unlimited check writing
  • No minimum balance requirement
  • No monthly service charge

 

INTEREST BEARING CHECKING ACCOUNTS

 

Now Account

 

  • $500 minimum opening deposit
  • Unlimited check writing
  • Earns interest at the current NOW account rates.
  • Tiered rates - earn more for higher balances
  • Interest credited to account monthly
  • No monthly fee for balances $500 or more
  • $5 fee if balance falls under $500 during month

 

Money Market Account

 

  • $2,500 minimum opening deposit
  • Earns interest at the current Money Market account rate
  • Interest credited to account monthly
  • Transaction limitations apply
  • No monthly fee for balances $2500 or more
  • $10 fee if monthly average balance fall below $2,500
  • $.25 fee per transaction

 

Super Money Market Account

 

  • $25,000 minimum opening deposit
  • Earns interest at the current Super Money Market account rate.
  • Interest credited to account monthly
  • Transaction limitations apply
  • No monthly fee for balances $25,000 or more
  • $10 fee if monthly average balance fall below $25,000
  • $.25 fee per transaction

 

SAVINGS ACCOUNTS

 

Regular Savings Account

 

  • $50 minimum opening balance
  • Earns interest at the current Regular Savings account rate.
  • Interest credited to account quarterly
  • No minimum balance charge for balances $100 or more
  • $1 charge per quarter if balance drops below $100
  • 2 free withdrawals per quarter
  • $1 fee each additional withdrawal during the quarter

 

Christmas Club Account

 

  • Club plans are available in amount of $5, $10, and $20
  • Account matures in October of each year and checks are issued at maturity

 

Kids' Savings

 

  • No minimum opening deposit
  • Interest compounded daily
  • Quarterly statement provided
  • Six withdrawals per quarter
  • $1 service fee for each withdrawal over six
  • MasterMoney card not available with this account
  • Available to children of the age of 18 and under

 

CDs/IRAs

 

Certificates of Deposit

 

 

Jumbo Certificates of Deposit

 

 

Individual Retirement Accounts

 

  • Traditional IRA
  • Roth IRA
  • Educational IRA
  • Fixed or variable rates available
  • $500 minimum opening deposit for fixed rate accounts
  • $100 minimum opening deposit for variable rate accounts
  • Various maturities available
  • Substantial penalties for early withdrawal may apply

 

LOANS

 

For a current rate quote call or e-mail our loan department

 

Consumer Loans

 

  • New and Used Auto Loans
  • Boat and RV Loans
  • Mobile Home Loans
  • Home Improvement Loans
  • Debt Consolidation Loans
  • Overdraft Checking Protection (Must opt in for debit card and ATM transactions)

 

OTHER SERVICES