General Banking
Questions
Q.
Are my First National Bank & Trust Company
deposit Accounts insured?
A. Yes, each individual
customer at First National Bank is insured by the FDIC for up to $100,000.
Q.
Can my payroll check be direct deposited?
A. Possibly, check with
your employer to see if they participate in a direct deposit program. If
they do, supply your human resources department with your routing number and
account number found on the face of your checks. Your direct deposit
typically will begin within thirty days.
Q. Can my
Social Security Check be direct deposited?
A. Yes, it's the easiest
and safest way to receive your Social Security check. You can sign up at
the Social Security website (www.ssa.gov/deposit),
call Social Security at 1-800-772-1213, or stop in at First National Bank.
Q. What is
Check Imaging?
A. Every month included
in your statement are images of your cancelled checks. Instead of getting
all your checks back and having to store them, you will get images of the
checks with multiple images on each page. These pages insert nicely into
the folder we provide for you making storage easy. Should you ever need the
front & back of a check as proof of payment, we can supply that to you. The
copy of the cancelled check will be sufficient in most cases.
Q.
What are Electronic Statements?
A. Every month, your
account statement can be emailed to you instead of mailed via US Postal
Service. The statement is mailed to you as an attached file with a
password, thus ensuring you are the only one that can view it. The big
advantage is that instead of receiving your statement 7-10 after your
statement cuts off, you would receive it within 1-2 days. Your emailed
statement will be laid our just like your regular statement and can easily
be inserted into your binder after it is printed on your home computer.
Call and ask for Josh or Jan to get set up today.
Q. I'm not
always able to get to the bank during normal business hours, what options do
I have?
A. At First National Bank
we have many conveniences for the busy customer. You can drop off your
deposit or loan payment in our night drop boxes at the main bank or drive-in
facility. Our ATM located at the drive-in is a quick stop to make a
withdrawal or a deposit. Our customers can also do their banking by phone
or online with our secure Internet Banking site.
Q. Can I
apply for a checking account or loan online?
A. No, although we do
make home loan applications available to print off, fill out, and bring in,
we do not accept applications for loans or deposit accounts via the internet
at this time.
Q. Do you
offer business accounts?
A. Yes, just inquire at
the bank for more information.
Q. How
often is interest paid on my savings account?
A. Interest is paid twice
a year on savings accounts; June 30 & December 31.
Q. Can I
earn interest on my checking account?
A. Yes, we offer
different types of checking accounts that offer interest on your deposit.
Learn more under our
deposit accounts section.
Q. Can I
look at my account online?
A. Yes, First National
Bank offers Internet Banking at no charge to any customer with a checking or
savings account. You have access to your account information 24 hours a
day, 7 days a week. You can view what checks have cleared and check
balances.
Q. How
often is my account information updated?
A. First National Bank
updates account information nightly on Monday - Friday. Deposit to reflect
the latest account information.
Q. Can I
access my money from a remote location?
A. Yes, you can conduct
your banking business with First National at most ATM's worldwide. Your
VISA Check Card can also be used to make purchases anywhere that accepts
VISA. The money is debited from your account instantly. With direct
deposit, ACH (Automated Clearing House), ATM's, & your VISA Check Card, you
may never have to come to the bank.
