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Checking & Savings Accounts
Personal Checking
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$100.00 minimum to open this account.
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Unlimited check writing.
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No service charge if you maintain a
balance of $500.00 or more, or an average daily balance of $1000.00. If you
fall below the required minimum, there will be a $6.00 service charge for
the month.
FNB
Free!
Checking
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$100.00 minimum to open this account.
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Unlimited check writing
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No minimum balance
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No monthly service charge
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You will not have check images returned
with your statement. You must use duplicate checks so that you will have a
copy for your records. You may obtain a copy of a check for $1.00 fee
should you need one for proof of payment.
Personal Checking Plus
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$100.00 minimum to open this account.
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Unlimited check writing.
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No service charge if you maintain a
balance of $500.00 or more, or an average daily balance of $1000.00. If you
fall below the required minimum there will be a $5.00 service charge for the
month.
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You will not have check images returned
with your statement. You must use duplicate checks so that you will have a
copy for your records. You may obtain a copy of a check for $1.00 fee
should you need one for proof of payment.
1872 Club Checking
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$100.00 minimum to open this account.
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Unlimited check writing.
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$10,000.00 accidental death insurance.
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No charge for 400 1872 club checks per
year (300 if you use duplicate checks).
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No issue fee for travelers checks or
money orders.
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No issue fee for ATM/VISA Check Card.
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No processing fee for license stickers
for cars or pickups if using an 1872 club check (motorcycles & trailers not included).
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No charge for notary service, bank
signature guarantee or three photocopies per month.
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Overdraft Protection - you must have a
savings account and sign and authorization form.
If you elect not to receive
images of your canceled checks each month,
the monthly membership fee is reduced by $1.00.
Home Loan
Checking (You must have a real estate loan with
First National Bank & Trust Company)
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$100.00 minimum to open this account.
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Unlimited check writing.
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Must sign a preauthorized withdrawal form
for the home loan payment.
Senior Checking
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$100.00 minimum to open this account.
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Must be 62 years of age or better.
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Have direct deposit of your retirement
check.
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No monthly service charge.
Student
Checking (Must be 22 years of age or younger and a
full-time student)
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$100.00 minimum to open this account.
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Unlimited check writing.
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If under 18 years of age must have a
parental guarantee of a minor form signed.
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No monthly fee.
Business Checking
Inquire about our business checking
accounts and the plan that is right for your business.
First Choice Money Market Account
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Check Rates
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$25,000.00 minimum to open this account.
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A service charge of $25.00 will be
imposed if the average daily balance for the monthly statement cycle falls
below $25,000.00 and the interest rate will drop to the NOW account rate.
The average daily balance is calculated by adding the principal in the
account for each day of the period and dividing that figure by the number of
days in the period.
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Unlimited Deposits
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Unlimited Transfers in Person (minimum
transfer $500.00)
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Limit of three (3) debits and third party
checks per month (minimum $500.00)
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Telephone, Automatic, or Electronic
Transfers (limited to a total of six, including the three third party items,
minimum $500.00).
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$5.00 per check charge over legal limit
of three (3) each month.
Insured Money Market
Investment Account -
Check Rates
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Initial deposit of $2,500.00 required to
open.
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A limited transaction account, paying a
high-yielding rate of interest.
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Interest rate is variable, accrued daily
on ledger balance, and paid monthly.
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Transactions include:
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Interest rate falls to NOW Account rate
and a charge of $5.00 is assessed if average balance falls below $1000.00
during statement cycle.
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Free personalized deposit slips.
Business
Insured Money Market
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Check Rates
NOW Account
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Check Rates
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$1000.00 minimum to open this account.
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Unlimited check writing.
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Interest rate is variable, accrued daily
on ledger balance and paid monthly.
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Must maintain a minimum balance of
$1000.00 or an average balance of $1500.00. A service charge of $7.50 will
be applied if the required minimum is not maintained.
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Account is available to individuals, sole
proprietorships, charitable organizations and governmental units.
Super NOW
Account
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Check Rates
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$2500.00 minimum to open this account.
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Unlimited check writing.
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Interest rate is variable, accrued daily
on ledger balance and paid monthly.
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If average balance falls below $2500.00,
interest rate falls to NOW Account rate and a $7.50 charge is applied each
month.
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Account is available to individuals, sole
proprietorships, charitable organizations and governmental units.
Certificate of
Deposit
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Check Rates
Individual
Retirement Account
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Check Rates
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Individual retirement accounts help you
save for retirement and the contribution of up to $3,000.00 per year may be
tax deductible. Investment is in an 18 month automatically renewed CD and
you may choose a fixed or variable interest rate. Roth & Education IRA's
are also available. Check our rate table for the current rates.
Treasury Bill / Note Purchases
Regular Savings
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Check Rates
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$50.00 minimum to open this account.
(Under 18 years of age, $10.00 minimum.)
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Interest compounds semi-annually: June
30th & December 31st.
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Must maintain an average balance of
$50.00 per month or $3.00 per month service charge is applied. (Under 18
years of age, waived)
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A limit of 36 withdrawals per calendar
year. After 26 withdrawals there is a charge of .50 cents per withdrawal.
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An early withdrawal penalty is assessed
if closed within 90 days.
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Overdraft fee of $20.00
Christmas Club
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