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  • Regular Checking

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    An account that provides easy access to your money with a monthly statement provided with check images.

    • No monthly service charge for Senior Citizens receiving direct deposit.
    • No monthly service charge for full time students.
    • No monthly service charge for Minors (under 18).
    • Minimum balance to open - $100.
    • No service charge unless balance falls below $1,000. Then a service charge of $8.00 is charged unless the balance falls below $500, then a service charge of $12 will be imposed.
    • No per item fees are charged, you may write unlimited number of checks.

  • Free Checking

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    An account that provides easy access to your money with a monthly statement.

    • No monthly service charges
    • No minimum balance requirements
    • Free check safekeeping
    • First order of printed checks free for new accounts
    • Minimum balance to open - $100.
    • No service charges.
    • $3.00 charge for a debit Mastercard to access your account.

  • Savings

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    An account that pays interest on deposits.

    • Provides easy access to your money for in-bank withdrawals or transfers.
    • No per item fees for withdrawals
    • $100 minimum deposit to open
    • Only three withdrawals in a 3 month statement cycle
    • Not a transaction account
    • No service charges unless the three withdrawal limit is exceeded, then $3.00 per withdrawal.

  • Insured Money Market Fund

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    An account that pays interest on your balance and provides easy access to your money

    • No monthly service charge if minimum balance is maintained.
    • Earns the highest rate on any First National Bank transaction account.
    • There are no per item fees
    • Minimum balance to open - $2500.00
    • Transactions are limited to 6 in a statement cycle with 3 to outside parties.
    • Minimum balance of $2500.00 must be maintained in order to earn interest and to avoid fees.
    • No service charge unless balance falls below $2500. If balance falls below $2500, a statement cycle service fee of $12 will be imposed.

  • Now Account

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    An account that provides ready access to your funds while paying you interest.

    • Ready access to your funds while earning interest
    • Unlimited check writing
    • $1,500.00 deposit required to open
    • $1,500.00 balance must be maintained to avoid fees and earn interest
    • No service charge unless balance falls below the required daily balance. If balance falls below $1,500, then a $12.00 service charge will be imposed. No interest will be paid if a service charged is assessed.
    • No per item fees are charged.

  • Super Now

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    An account that provides easy access to your money with a monthly Statment.

    • Earn interest on your money
    • Unlimited check writing
    • $2500.00 deposit required to open
    • $2500.00 balance must be maintained to avoid a service charge and to earn interest.
    • No services charges if $2500.00 minimum balance is maintained.
    • If Balance Falls below $2500.00 a service charge of $12.00 will be assessed.
    • Printed checks depend on style ordered.


NOTICE: Beginning July 1, 2010 FIRST NATIONAL BANK of FLOYDADA will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.