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Checking
Freedom 55 Club
Savings
Loans
CHECKING
We offer a variety of checking accounts to suit your needs.
We will work with you to help you select the account best
suited to your financial situation and lifestyle.
Each of
our checking accounts offer you the convenience of an ATM
card, Visa Debit Card*, and Overdraft
Protection*.
GOLD
CHECKING-Basic checking account with no minimum balance,
interest paid on all balances (Interest rate is variable),
unlimited check writing, no monthly service charge and your
first box of First National Bank (wallet style) checks is
free! The minimum balance to open this account is only $100.
Must be 55 or older to qualify.
FREE
CHECKING-Basic checking account with no minimum balance,
unlimited check writing, no monthly service charge and your
first box of First National Bank (wallet style) checks is
free! The minimum balance to open this account is only $100.
PREMIER
CHECKING-For larger account balances we offer the Premier
Checking Account. As your balance increases, so do the interest
rates. This account offers all the services of our other
Checking accounts. Some other services include:
- $1,000
opens your account.
- Unlimited
check writing.
The
service charge of $15 is waived if the balance is in excess
of $2,500.
NOW
ACCOUNT-First National Bank is proud to offer our customers
an account that bears interest. With First National Bank's
NOW Account, the interest rate is determined by the account
balance and current rates, and will be personally explained
in detail by a Customer Service Representative. NOW Account
Checking offers these added features:
- A deposit
of $100 opens this account.
- Earned
Interest on your account.
- Modest
$7.50 fee if your account fall below $1,000.
SUPER
NOW ACCOUNT-The minimum balance to open this account
is $100. Interest bearing checking account if your balance
is over $2,500. If the balance falls below $2,500 the service
charge is $10.00.
*With
Approved Credit.
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SAVINGS
First
National Bank savers can choose from a wide variety of savings
accounts designed to meet every savings goal.
SAVINGS
ACCOUNTS-Begin your savings plan with a traditional
savings account. The minimum to open is $100 ($1 for a minor)
and interest is paid quarterly if your average daily balance
is greater than $100. Our savings accounts offer unlimited
deposits and six withdrawals per quarter for no service
fee. If you exceed six withdrawals per quarter, there is
a $1 per withdrawal fee. A service charge of $3.00 per quarter
is imposed if your balance falls below $100.
MONEY
MARKET SAVINGS-Our regular money market account requires
a $2,500 minimum balance. This account offers you the opportunity
to earn a market rate of interest. Higher balances earn
correspondingly higher rates, with the added convenience
of a maximum of three checks and three transfers per month.
The service charge for falling below the minimum balance
is $6.00. There is a $3 per check or transfer fee for exceeding
three checks and three transfers in a month.
CERTIFICATES
OF DEPOSIT*-- CDs earn you
a higher yield on money you are able to invest for a specific
period of time.
Minimum
balance to open is $500. We offer CDs with maturities ranging
from 89 days to 60 months.
INDIVIDUAL
RETIREMENT ACCOUNTS*-- A
tax-deferred IRA can help you accumulate money for your
retirement while giving you an immediate tax deduction.
Please ask any one of our professional staff for our current
IRA rates and requirements.
*Penalty
for early withdrawal.
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LOANS
REAL ESTATE LOANS-If you're ready to take this important
step, why not start out right with a visit to First National
Bank. We'll help you cut through the maze of "mortgage talk"
so you can make the best possible purchasing decisions.
Our friendly
and experienced professionals can help you select the right
type of mortgage for your particular needs.
When you're
ready to make this major investment, remember that we have
the flexible loan plans you need - at rates you can afford
including:
- Conventional
- Refinancing
- Home
Equity Loans
CONSUMER
LOANS-When it comes to consumer loans, we have everything
you could ask for. We take pride in our Loan Department
staff and the service we provide. Whether your need is for
a home improvement, personal or vehicle loan, you are assured
of receiving individual concern toward your loan request.
We provide the following types of loans:
- Auto
- Recreational
Vehicle
- Student
Loans
- Personal
Loans
- Home
Improvement
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FREEDOM
55 CLUB
First National Banks's Club For Seniors
To qualify
for membership:
- You
must be 55 years of age or older
- $5,000
in combined deposits required
Benefits
of membership:
- Travel
opportunities
- Unlimited
check writing
- Competitive
interest rates
- Free
official checks
- Free
Freedom 55 Club Checks
- Social
Events
- Free
small safe deposit box
- Quarterly
Newsletter
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