Accounts

First National Bank has several different types of accounts for you to choose from.

NOTICE-UNLAWFUL INTERNET GAMBELING ENFORCEMENT ACT OF 2006
This notification is pursuant to the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG. The act prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As and account holder, these restricted transactions are prohibited from being processes through the account or relationship with us.

ALL ACCOUNTS COME WITH:

  • Free Text Banking
  • Free Internet Banking
  • Free Bill Pay
  • Free E-Statements
  • Free Telephone Banking
  • Free Direct Deposit
FIRST CHECKING
  • $100.00 to Open
  • No minimum balance
  • Unlimited Free Check Writing
  • No Monthly Fee
  • E-Statements ONLY
CLUB BANKING
  • $100.00 to Open
  • Service Charges range from $6.00 to $10.00 per month
  • No minimum balance
  • Unlimited Free Check Writing
  • Free Personalized "Club" style checks
  • Cashier's Checks at no issue charge
  • Debit card replacement at no charge
  • Other Club Benefits .... Ask our New Accounts Personnel
55 PLUS CHECKING
  • $50.00 to Open
  • No minimum balance
  • Unlimited Check Writing
  • No Monthly Fee
  • Free 55+ Checks
  • Free Regular Paper Statements
FNB SECOND CHANCE ACCOUNT
  • $100.00 to Open
  • Service Charges range from $7.50 to $10.00 per month
  • DEBIT CARD ONLY
  • No Minimum Balance
  • E-Statements ONLY
FIRST COMMERICAL CHECKING
  • $100.00 to Open
  • Service charges based on transaction volume .... Ask our New Accounts Personnel
  • No Minimum Balance
  • E-Statements ONLY
NON PROFIT CHECKING
  • $100.00 to Open
  • No Monthly Service Charge
  • Free Regular Paper Statement
INTEREST CHECKING
  • Ask our New Accounts Personnel for current rates and terms
SAVINGS ACCOUNT
  • $100.00 to Open
  • 3 Free withdrawals per month, $3.00 for each withdrawal thereafter
  • Banking regulations require us to impose a limit of no more than 6 transfers (withdrawals) per month from Savings Accounts. Accounts exceeding that withdrawal limit must be converted to checking accounts.
  • Interest Rate and Annual Percentage Yield are determined by bank management and are subject to change at any time.
  • Interest is accrued daily and credited quarterly.
  • Ask our New Accounts Personnel for current rates

ACCOUNT FEES

    Cash Withdrawal, balance inquiry or transfer at a NON FNB ATM $1.00
    Copies of Statements: First 10 pages free, over 10 is $0.50 per page
    Annual rent Safety Deposit Boxes - Starting at $10.00
    Cashier's Checks (per check) $3.00
    Stop Payment (per request) $25.00
    Wire Transfer (outgoing) $15.00
    Wire Transfer International $45.00
    Wire Transfer (incoming) $10.00
    Account reconciliation (per hour - 1 hour minimum) $15.00
    Paper Statements per statement period $3.00
    Debit Card Replacement Charge $5.00
    Insufficient / Overdraft Fee:
  • Amount of item is between $0.01 and $25.00 then per item fee is
  • $10.00
  • Item is between $25.01 and $500.00 then per item fee is
  • $25.00
  • Item is $500.01 and above then per item fee is
    (This fee applies to overdrafts created by checks, in person withdrawals, ATM withdrawals, or other electronic means.)
  • $35.00
    Dormant Checking or Savings Account with no activity for 1 year and Balance less than $100 (per qtr) $3.00