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 Interest Checking Accounts Basic Checking Accounts Business Checking Accounts Savings Accounts Money Market Deposit Accounts Certificates of Deposit Individual Retirement Accounts Loan Department FNB VISA Check Card or ATM Card Other Services
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PREMIER
CHECKING ACCOUNT Premier checking accounts are available to individuals. A minimum deposit of $100.00 is required to open the Premier Checking account. There is no monthly service charge provided a minimum balance of $500.00 or an average monthly balance of $800.00 is maintained. If the balance during a monthly statement cycle falls below $500.00 or an average of $800.00, there will be a monthly service charge of $5.00. Check images are include in monthly statements. Free Check Card(s) (subject to approval) and unlimited check writing are included with this account. Checking accounts with no monthly service charge are available to individual customers age sixty-five and over, 18 or younger, and to non-profit organizations. INTEREST
CHECKING ACCOUNTS We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal is made from an interest-bearing account.
BASIC CHECKING ACCOUNTS Basic checking accounts are available for personal accounts. A minimum deposit of $100.00 is required to open a Basic checking account. No minimum monthly balance required nor monthly service charge. Customers will receive a truncated statement with no check images. Copies of cancelled checks can be provided for $0.50/item. Free Check Card(s) (subject to approval) and Unlimited Check Writing are included with this account.
BUSINESS CHECKING ACCOUNTS Business checking accounts are available. A minimum deposit of $100.00 is required to open the Premier Checking account. There is no monthly service charge provided a minimum balance of $500.00 or an average monthly balance of $800.00 is maintained. If the balance during a monthly statement cycle falls below $500.00 or an average of $800.00, there will be a monthly service charge of $5.00. Check images are include in monthly statements. Other charges that apply to this account include: Insufficient or Overdraft Check Fee-$20.00/item; Stop Payment Fee-$20.00; Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Post Dated Check Fee-$20.00; Dormant Account Fee-$5.00/mo.
SAVINGS ACCOUNTS MONEY MARKET DEPOSIT ACCOUNTS Money Market Deposit Accounts (MMDA) are available to individuals and businesses. A minimum $2,500.00 deposit is required to open a MMDA account. If the average daily balance for the month falls below $2,500.00, there will be a monthly service charge of $10.00. You may only make 6 preauthorized transfers from a savings account each statement cycle. Interest on MMDA accounts is computed on the average daily balance, compounded and credited monthly. The interest rate is subject to change at the bank's discretion. Please contact us for the current Annual Percentage Yield and rate for this account. Other charges that apply to this account include: Insufficient or Overdraft Check Fee-$20.00/item; Stop Payment Fee-$20.00; Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Post Dated Check Fee-$20.00; Dormant Account Fee-$5.00/mo. We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal is made from an interest-bearing account.
CERTIFICATES OF DEPOSIT Certificates of deposit (CD) are available to individuals and businesses. A minimum deposit of $1,000.00 is required to purchase a CD. Certificates are available with various rates and terms. Interest may be paid out or compounded. Please contact our New Accounts Department for more information. Account is subject to substantial penalty for early withdrawal. INDIVIDUAL RETIREMENT ACCOUNTS AND SEP ACCOUNTS Individual Retirement Accounts (IRA) and (SEP) accounts are available to individuals. A minimum deposit of $100.00 is required to open an IRA or SEP. Additional deposits of $50.00 or more may be made at any time. Variable-rate account interest rate is subject to change at our discretion. Fixed-rate interest rate is set at opening and remains in effect until maturity date. Interest is calculated on the daily balance, compounded daily and paid semi-annually. Account is subject to substantial penalty for early withdrawal. LOAN PRODUCTS Loans are available for individual, business, agricultural, or real estate purposes. Interest rates and terms vary. Our loan staff can also assist you with cash flow preparation, household budget preparation, debt structuring alternatives, and more. Please contact one of our experienced loan officers for details. FNB VISA CHECK CARDS AND ATM CARDS The FNB VISA Check Card is available for checking and interest accounts, and can be used for purchases at any merchant that accepts VISA Debit Cards, or used at any ATM that displays the VISA or CIRRUS logo. If you prefer just an ATM card, we have that too. There is not setup fee for VISA Check Cards/ATM Cards. A $1.00 fee will be charged for an ATM withdrawal or balance inquiry at any Non-First National Bank ATM machine. A $1.00 fee will be charged for an ATM withdrawal or balance inquiry at any Non-First National Bank ATM machine. NOTICE REGARDING ATM FEES BY OTHERS: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network. OTHER SERVICES Some of the other services offered by the bank include: ·Safe Deposit Boxes ·Wire Transfers ·Traveler's Checks ·Cashier's Checks ·Money Orders ·ACH Origination ·Night Depository For information about these or other services, please contact our customer service department at (580) 652-2448. The bank reserves the right to close any unsatisfactory account upon five days notice. Rates, fees and terms for all products offered are subject to change.
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