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What Account Is In Your Best Interest?
When you trust a bank with your money, you want to be sure it’s in an account that’s right for you. The First National Bank is proud to offer a variety of accounts to choose from. Advantage Checking accounts to NOW accounts to Money Market accounts, you will find the account with your best interest at heart.
Want to apply for a new account? Fill out and return the “New Account Form” below to any one of our branches.
Apply for an Account
Advantage Checking Accounts
Features and Services
- Free Debit Card
- Online and Mobile Banking
- 24 Hour Banking by Phone
- Unlimited check writing
- Auto Sweeps to/from other accounts*
- Check Images Returned with Monthly Bank Statements
- Free Bank Stock Check’s-Limited 2 Boxes per Year
- Free Cashier’s Checks-Limited 2 checks per Month
- Free Fax Services
- Free Paper or E-statements
- No Wire Service Fee-Limited 1 per Year
Terms
- Minimum Opening Balance of $25.00
Costs
- Monthly Service Charge of $7.00
Interest Earnings
- This is a non-interest earning account
NOW Checking Accounts
Features and Services
- Free Debit Card
- Online and Mobile Banking
- 24 Hour Banking by Phone
- Auto Sweeps to/from other accounts*
- Check Images Returned with Monthly Bank Statements
Terms
- Minimum Opening Balance of $500.00
Costs
- There is no monthly fee, unless the minimum account balance falls below $500.00 during the month.
- A $7.50 Service Charge will be assessed.
Interest Earnings
- Please call your local branch for the current interest rate paid on this account.
- No interest is earned on days that the account balance is below $500.00
Commercial Checking Accounts
Features and Services
- Free Debit Card
- Online and Mobile Banking
- 24 Hour Banking by Phone
- Unlimited check writing
- Auto Sweeps to/from other accounts*
- Check Images Returned with Monthly Bank Statements
Terms
- Minimum opening balance of $100.00
Costs
- Monthly Service Charge of $10.00
Interest Earnings
- This is a non-interest earning account.
Money Market Accounts
Features and Services
- Online and Mobile Banking
- 24 Hour Banking by Phone
- Limited 6 Withdrawals per month**
- Auto Sweeps to/from other accounts*
- Check Images Returned with Monthly Bank Statements
Terms
- Minimum opening balance of $1,000.00
Costs
- There is no monthly fee, unless the minimum account balance falls below $1,000.00 during the month.
- A $12.50 Service Charge will be assessed.
Interest Earnings
- Please call your local branch for the current interest rate paid on this account.
- A higher daily interest rate is earned on a balance of $15,000.00 or more.
- No interest is earned on days that the account balance is below $1,000.00
Consumer Savings Accounts
Features and Services
- Online and Mobile Banking
- 24 Hour Banking by Phone
- Limited 6 Withdrawals per month**
- Quarterly Bank Statements
- Call and ask about our Minor’s Savings Accounts
Terms
- Minimum opening balance of $100.00
Costs
- There is no monthly fee, unless the minimum account balance falls below $100.00 during the month.
- A $5.00 Service Charge will be assessed.
Interest Earnings
- Please call your local branch for the current interest rate paid on this account.
- Interest is earned daily on a balance of $100.00 or more.
- No interest is earned on days that the account balance is below $100.00
Commercial Savings Accounts
Features and Services
- Online and Mobile Banking
- 24 Hour Banking by Phone
- Limited 6 Withdrawals per month**
- Quarterly Bank Statements
Terms
- Minimum opening balance of $100.00
Costs
- There is no monthly fee, unless the minimum account balance falls below $100.00 during the month.
- A $5.00 Service Charge will be assessed.
Interest Earnings
- Please call your local branch for the current interest rate paid on this account.
- Interest is earned daily on a balance of $100.00 or more.
- No interest is earned on days that the account balance is below $100.00
Certificates of Deposit
Features and Services
- Interest Compounds Quarterly
- Interest Rates are set by the term of the CD
- Monthly interest notices
- Customer may receive interest monthly, quarterly, annually or at maturity
Terms
- Minimum opening balance of $1,00.00
- 1 Month, 3 Months, 6 Months, 12 Months, 18 Months, 24 Months, 30 Months, 36 Months, 48 Months, & 60 Months
Costs
- Penalties for early withdrawal will apply.
Individual Retirement Accounts
Features and Services
- Interest Rates are set by the term of the IRA
- Monthly interest notices
Terms
- Minimum opening balance of $1,000.00
- For individuals with earned income.
- 3 Months, 6 Months, 12 Months, 18 Months, 24 Months, 30 Months, 36 Months, 48 Months, 60 Months
* Auto Sweeps Transactions are subject to the “sweep fee to cover overdraft”.
** Monthly Withdrawals in excess of 6 on Money Market Checking Accounts are subject to a $10.00/debit charge.
** Monthly Withdrawals in excess of 6 on Savings Accounts are subject to a $5.00/debit charge
