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