Phone: (806) 983-3717 | Fax: (806) 983-3716

white man's hand with credit card between his fingers handing it over to white woman's hand to use at the register

Accounts

Regular Checking

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

Benefits

  • No monthly service charge for Senior Citizens receiving direct deposit (social security)
  • No monthly service charge for full time students
  • No monthly service charge for minors (under 18)

Requirements

  • Minimum balance to open $100.00

Cost

  • No service charge unless balance falls below $1,000.00. Then a service charge of $8.00 is charged unless the balance falls below $500.00, then a service charge of $12.00 will be imposed
  • No per item fees are charged, you may write unlimited number of checks

Free Checking

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

Benefits

  • No monthly service charges
  • No minimum balance required
  • First order of printed checks are free for new accounts
  • Free internet banking for images

Requirements

  • Minimum balance to open $100.00

Cost

  • No service charge
  • $5.00 charge for a debit MasterCard to access your account

Savings

An account that pays interest on deposits

Benefits

  • Provides easy acess to your money for in-bank withdrawals or transfers
  • No per item fee for withdrawals

Requirements

  • $100.00 minimum deposit to open
  • Only six withdrawals in a 3 month statement cycle
  • Not a transaction account (no debit cards)

Cost

  • No service charges unless the six withdrawal limit is exceeded, then $3.00 per withdrawal

Insured Money Market Fund

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

Benefits

  • No Monthly service charge if minimum balance is maintained
  • Earns the highest rate on any First National Bank transaction account
  • There is no per item fees

Requirements

  • Minimum balance to open $2,500.00
  • Transactions are limited to 6 in a statement cycle
  • Minimum balance of $2,500.00 must be maintained in order to earn interest and to avoid fees.

Cost

  • No service charge unless balance falls below $2,500.00, a statement cycle fee of $12.00 will be imposed

NOW Account

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

Benefits

  • Ready access to your funds while earning interest
  • Unlimited check writing

Requirements

  • $1,500.00 deposit required to open
  • $1,500.00 balance must be maintained to avoid fees and earn interest

Cost

  • No Service charge unless balance falls below the required daily balance. If balance falls below $1,500.00, then a $12.00 service charge will be imposed. Non interest will be paid if a service charge is assessed
  • No per item fees are charged

Super NOW

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

Benefits

  • Earn interest on your money
  • Unlimited check writing

Cost

  • $2,500.00 deposit required to open
  • $2,500.00 balance must be maintained to avoid a service charge and to earn interest

Requirements

  • No service charges if $2,500.00 minimum balance is maintained
  • If balance falls below $2,500.00 a service charge of $12.00 will be assessed
  • Printed checks depend on style ordered