Checking
 

Regular Personal Checking

There is a minimum deposit of $100.00 to open a Regular Personal Checking account and a $4.00 maintenance fee will be imposed if your average ledger balance is less than $500.00 for the statement cycle. This fee does not apply to senior citizens. You enjoy unlimited check writing and your checks are imaged and printed on pre-punched paper, ready to be filed in a three ring binder along with your monthly statement.

PAY-C Checking

This is a great account for our younger depositors. You only need a $50.00 deposit to open the account and there is no maintenance fee. There is a check charge fee of $6.25 for each pad of 28 checks. You still have unlimited check writing and receive your check images printed on pre-punched paper, ready to be filed in a three ring binder along with your monthly statement.

Regular Commercial Checking

There is a minimum deposit of $100.00 to open a Regular Commercial Checking account. The monthly maintenance fee is $1.50 and a per check charge fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). You will earn a credit of $.60 for each $100.00 of average collected balance in your account during the statement cycle. This earnings credit will be applied to reduce the monthly maintenance and per check fees. The earnings credit cannot exceed your total monthly maintenance and per check fees. You enjoy unlimited check writing and your checks are imaged and printed on pre-punched paper, ready to be filed in a three ring binder along with your monthly statement.

NOW Checking

If you normally keep a higher balance in your checking account and want those funds to earn interest, our NOW account is for you. There is no maintenance fee as long as you maintain a minimum balance of $1500.00. The maintenance fee is only $3.00 if you do fall below the minimum with a $.15 per withdrawal fee for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). You enjoy unlimited check writing and your checks are imaged and printed on pre-punched paper, ready to be filed in a three ring binder along with your monthly statement. For current interest rates, click here.

CMA – Cash Management Account

A money market account with a tiered rate structure that increases as the balance in the account increases. Interest is compounded and credited monthly. A $2500.00 minimum opening deposit is required. There is no maintenance fee. Up to six withdrawals or transfers are allowed per statement. Unlimited deposits and unlimited withdrawals in person. As with our checking accounts, your checks are imaged and printed on pre-punched paper, ready to be filed in a three ring binder along with your monthly statement. For current interest rates, click here.

Health Savings NOW Checking

If you have a High Deductible Health Plan (HDHP) you may be eligible to open a Health Savings NOW Checking with a minimum deposit of $5.00. Interest will be compounded monthly and there is a $4.00 maintenance fee per statement cycle. Consult your tax advisor to determine eligibility. For current interest rates, click here.

Savings

Our Regular Savings account can be opened with as little as $25.00. Your money is available to you whenever you need it. Our Savings account offers a competitive rate and the interest is compounded quarterly. For current interest rates, click here.

Certificates of Deposit

If you’re looking for a higher return on your money than Savings accounts offer, then a Certificate of Deposit may be right for you. First National Bank offers CD’s with terms as short as 3 months or as long as 4 years. There is a minimum opening deposit of $1,000.00 for all Certificates of Deposit. For current interest rates, click here.

Individual Retirement Accounts (IRA)

Retirement planning must begin early in life if we want to be able to enjoy our golden years. Odds are pretty good that there won’t be enough government or pension savings when it is your turn to retire. If you are under age 70 ½ for the entire tax year and receive a salary or wages as an employee you are eligible to establish and IRA. IRA accounts can be opened any time between January 1, and the date your tax return is due for the year, excluding extensions. When you open an IRA, you pay no taxes on the interest until the money is withdrawn, usually after retirement. This allows your money to grow much faster than in taxable accounts. For some people, IRA deposits are tax deductible. Consult your tax advisor for tax deduction eligibility. First National Bank offers a variable rate 12 month Certificate of Deposit IRA. There is a $5.00 minimum to open the account and you may have an unlimited number of deposits and withdrawals. For current interest rates, click here.

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