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Accounts

When you trust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why First National Bank has so many accounts to choose from. From regular checking accounts to NOW accounts to Money Market Accounts, you'll find the one account that has your best interest at heart. First National Bank offers a variety of personal banking products. Please call or come by for additional information about one of the below accounts.

Advantage Checking

Advantage Checking Account Benefits

Terms & Monthly Fees

  • Minimum Opening Balance of $25
  • $7 Monthly Service Charge

Free Features & Services

  • Free Check Card
  • Online Banking
  • 24 Hour Banking by Phone
  • Unlimited Check Writing

More Features & Options

  • Auto Sweeps to/from other Accounts*
  • Check Images Returned with Monthly Bank Statement

Interest Earnings on Account

  • This is a non-interest earning account

Disclaimer

  • *Auto Sweeps Transactions are subject to a per sweep charge.

NOW Account

Terms & Monthly Fees

  • Minimum Opening Balance of $500
  • If minimum balance falls below $500 during the month, a $7.50 Service Charge will be assessed.

Free Features & Services

  • Free Check Card
  • Online Banking
  • 24 Hour Banking by Phone
  • 20 Withdrawals per Month**

More Features & Options

  • Auto Sweeps to/from other Accounts*
  • Check Images Returned with Monthly Bank Statement

Interest Earnings on Account

  • Market Rates are Paid on this Account
  • No interest is earned on days that balance is below $500

Disclaimer

  • *Auto Sweeps Transactions are subject to a per sweep charge.
  • ** Monthly Withdrawals in excess of 20 on NOW Accounts are subject to a $0.10/debit charge.

Money Market Checking

Terms & Monthly Fees

  • Minimum Opening Balance of $1,000
  • If minimum balance falls below $1,000 during the month, a $12.50 Service Charge will be assessed.

Free Features & Services

  • Online Banking
  • 24 Hour Banking by Phone
  • 6 Withdrawals per Month**

More Features & Options

  • Auto Sweeps to/from other Accounts*
  • Check Images Returned with Monthly Bank Statement

Interest Earnings on Account

  • Market Rates are Paid on this Account
  • A higher daily rate is earned on a balance of $15,000 or more.
  • No interest is earned on days that balance is below $1,000

Disclaimer

  • *Auto Sweeps Transactions are subject to a per sweep charge.
  • **Monthly Withdrawals in excess of Six (6) are subject to a $10.00 per debit charge.

Savings

Terms & Monthly Fees

  • Minimum Opening Balance of $100
  • If minimum balance falls below $100 during the month, a $5 Service Charge will be assessed.

Free Features & Services

  • Online Banking
  • 24 Hour Banking by Phone
  • 6 Withdrawals per Month**

More Features & Options

  • Quarterly Statements
  • Ask About of Minor's Savings Accounts

Interest Earnings on Account

  • Market Rates are Paid on this Account
  • Interest is earned daily on a balance of $100 or more.
  • No interest is earned on days that balance is below $100

Disclaimer

  • *Auto Sweeps Transactions are subject to a per sweep charge.
  • **Monthly Withdrawals in excess of Six (6) are subject to a $5.00 per debit charge

Commercial Checking

Terms & Monthly Fees

  • Minimum Opening Balance of $100
  • If minimum balance falls below $100 during the month, a $10 Service Charge will be assessed.

Free Features & Services

  • Free Check Card
  • Online Banking
  • 24 Hour Banking by Phone
  • Unlimited Check Writing

More Features & Options

  • Auto Sweeps to/from other accounts*
  • Check Images Returned with Monthly Statements

Interest Earnings on Account

  • This is a non-interest earning account

Disclaimer

  • *Auto Sweeps Transactions are subject to a per sweep charge.

Certificates of Deposits (CDs)

Terms & Monthly Fees

  • Minimum Opening Balance of $1,000

Interest Earnings on Account

  • Interest Compounds Quarterly
  • Interest Rates are set for term of CD
  • Customer may receive interest monthly, quarterly, annually or at maturity
  • Penalties for early withdrawal will apply

Individual Retirement Accounts (IRAs)

Terms & Monthly Fees

  • Minimum Opening Balance of $1,000
  • for Individuals with Earned Income