|
Checking Accounts
|
Regular Checking |
Interest Checking |
Account Description |
An account that offers no minimum
balance requirements and unlimited check writing. |
An account that offers competitive
interest rates for customers that maintain higher balances. |
Minimum Balance |
$0 |
$500 minimum daily balance or $750
average daily balance |
Monthly Service Fee |
FREE |
$5 if your minimum daily balance
falls below $500 or your average daily balance falls below $750 |
Interest Bearing |
No |
Yes |
ONE CARD ATM/Checkcard |
Available for qualified applicants |
Available for qualified applicants |
ATM Withdrawals |
FREE at our ATMs or ATMs displaying
the Shazam© Privileged Status Logo; otherwise, $1 per transaction* |
FREE at our ATMs or ATMs displaying
the Shazam© Privileged Status Logo; otherwise, $1 per transaction* |
First Reserve Overdraft
Protection |
Available for qualified applicants |
Available for qualified applicants |
First National Bank
Visa Credit Card |
Available for First National Bank Customers |
Available for First National Bank Customers |
Special Benefits |
|
- FREE monthly statements
- Variable interest rate
|
How to Apply |
- Visit our office
- Call us at 605-627-9121
- Click here to email us
Please do not send account or confidential
personal information via this e-mail link.
|
- Visit our office
- Call us at 605-627-9121
- Click here to email us
Please do not send account or confidential
personal information via this e-mail link.
|
* The owner of the ATM may charge an additional fee
To order checks, click on this link
ONE CARD ATM/Check card
Enjoy the ease and convenience of our ONE CARD today!
- Doubles as an ATM card and a plastic check
- Use your checkcard anywhere that displays the Mastercard® logo
- Accepted throughout the United States and around the world
- Eliminate the risk of traveling with large sums of money or
traveler’s
checks
- Transactions are shown in detail on your monthly statement—you
can see exactly where and when transactions were made.
- Lost or Stolen Card Protection and Fraud Protection
- Secure online shopping with MasterCard® SecureCode™*
*Now you can guard your card with MasterCard® SecureCode™! It's a private code that gives you added protection against unauthorized use of your card when you shop online. The next time you're about to checkout at a participating online merchant, a window will appear from SHAZAM asking you to confirm your identity and create a private SecureCode™. Now you can shop with added confidence on the web!
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FIRST RESERVE OVERDRAFT
PROTECTION
Use your good credit to qualify for the First Reserve Overdraft
Protection plan, then simply use your checking account to write
yourself a loan!
- Protect yourself from costly overdraft fees
- Advances in $500 increments give you added purchasing power
- Notification to you by mail when advances are made
- $15 annual participation fee
- Flexible repayment schedules
- Statements issued monthly with your checking statement
FIRST NATIONAL
BANK VISA CREDIT CARD
First National Bank offers two Visa Platinum credit cards
which has everything you need, and best of all, it's offered by us.
The same people you work with every day. Applications are available
from your staff. Call us today!
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Savings Accounts
|
Regular Savings |
Premier MMDA Accounts |
Minimum Opening Balance |
$25* |
$2500 |
Minimum
Balance |
$25* |
$1000 |
Monthly
Service Fee |
None |
$5 if balance falls below $1000 |
Interest
Bearing |
Yes |
Yes
-
Balance of $2500 or more—money market
rate
-
Balance of $1000-2499.99—interest
checking rate
|
Check Access |
No |
3 checks per month |
Statement Frequency |
Quarterly |
Monthly |
Additional
Benefits |
- No deposit or in-person withdrawal limitations
- Variable interest rate
- Interest compounds quarterly
|
- No deposit or in-person withdrawal limitations
- Variable interest rate
- Interest compounds monthly
|
* Opening balance and minimum balance requirements
are waived
for account
holders under 18 years of age.
Federal regulations limit telephone, automatic preauthorized transfers,
and Internet transfers to six (6) per statement period, with no more
than three (3) by third-party check, draft, debit card, or similar
order.
CERTIFICATES of DEPOSIT:
Safe investments with competitive rates, CDs provide a great way to invest
in your future.
- Terms of 3 months up to 5 years
- Minimum balance of $1,000 for terms under 12 months
- Minimum balance of $300 for terms 12 months and over
- A penalty for early withdrawal
will be assessed of any CD
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INDIVIDUAL RETIREMENT
ACCOUNTS:
Maximize your tax benefits while adding to your overall retirement
plan.
- Available as 18-month variable or 1 to 5-year terms
- Interest earned on an IRA is not taxed until withdrawn
- Flexible—contributions can be made monthly, quarterly,
or as your finances allow
- Annual statements
- No annual fees
- A penalty for early withdrawal may apply
OTHER SAVINGS OPTIONS:
- Roth IRAs
- Coverdell Education Savings Accounts
- Health Savings Accounts
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