The personal and business checking and savings accounts we offer are summarized below. For further terms and conditions see account agreement and disclosures. To see our rates and yields, click here.
Personal Accounts Basic Checking A low cost account. Customers receive monthly statements, but checks and deposit slips are not returned. Copies of items may be obtained if needed. $100 to open ATM card available Checking A "regular" checking account. Customers receive statements with images of checks and deposit slips included. $100 to open ATM card available Maintenance charges: None if account balance does not fall below $800. If account falls below $800 - $6 If below $700 - $7 If below $600 - $8 Super Now Checking A checking account that draws interest. Customers receive statements with images of checks and deposit slips included. $1,500 to open ATM card available Maintenance charges: None if the account balance does not fall below $1,500. If account falls below $1,500 - $10 Money Market Account A savings type account with limited checking privileges, but unlimited withdrawals in person. Pays interest at a rate based upon the balance in the account. Customers receive statements with images of checks and deposit slips included. 2,500 to open ATM card available Maintenance charges: $10 each statement period the minimum balance drops below $2,500. Penalty charges: $10 for each excessive limited transaction (may be by check, draft, or other order payable to a third party.) Savings A "basic" savings account. Can set up automatic transfers from a checking account at First National or another bank for ease in accumulating further savings. Three withdrawals per quarter are allowed with no charge. $200 to open Maintenance charges: $5 per quarter if minimum balance falls below $200. Penalty charges: $2 per withdrawal per quarter in excess of 3 withdrawals. Business Accounts Business Checking A "regular" checking account for business purposes. Customers receive statements with images of checks and deposit slips included. $100 to open ATM card available Maintenance charges: None if account balance does not fall below $800. If account falls below $800 - $6 If below $700 - $7 If below $600 - $8 Super Now Business Checking A checking account for proprietorship businesses that draws interest. Customers receive statements with images of checks and deposit slips included. $1,500 to open ATM card available Maintenance charges: None if the account balance does not fall below $1,500. If account falls below $1,500 - $10. There is a 20¢ per item charge for more than 25 checks per month. Money Market Business A savings type account with limited checking privileges, but unlimited withdrawals in person. Pays interest at a rate based upon the balance in the account. Customers receive statements with images of checks and deposit slips included. $2,500 to open Maintenance charges: $10 each statement period the minimum balance drops below $2,500. Penalty charges: $10 for each excessive limited transaction (may be by check, draft, or other order payable to a third party.) Business Savings A savings account for businesses. Can set up automatic transfers from a checking account at First National or another bank for ease in accumulating further savings. Three withdrawals per quarter are allowed with no charge. $200 to open Maintenance charges: $5 per quarter if minimum balance falls below $200. Penalty charges: $2 per withdrawal per quarter in excess of 3 withdrawals.