Checking Accounts

NOTICE  First National Bank has chosen not to participate in the FDIC's Transaction Account Guarantee Program.  Customers of First National Bank with non-interest bearing transaction accounts (checking accounts) will continue to be insured through June 30, 2010, for up to the $250,000 under the FDIC's general deposit insurance rules.

www.fdic.gov/regulations/resources/TLGP/

 Regular Checking

Our regular checking account is a safe, convenient, and excellent way to retain accurate records of your expenses. There is no monthly service charge if you maintain a minimum balance of $450 every day. A monthly fee of $4.50 is imposed if the balance in the account falls below $450 any day of the statement cycle. You can avoid this monthly service fee by signing up for Direct Deposit. There is a minimum of $50 required to open this account. Accurate monthly statements, including check images, are mailed promptly.

FREE Hometown Checking

There is a $50 minimum deposit required to open this account. There is no monthly service charge. Canceled checks are safe kept by the bank.

Senior Citizen Checking Account

Thinking of retirement? This account may be the perfect choice for you. If you are a Senior Citizen with Direct Deposit, First National Bank waives the $4.50 monthly service charge and will provide specialty gray wallet checks (a $17 value) to you at no charge. If you prefer to order another style, we'll give you $5 off.  If you are a Senior Citizen and do not wish to have Direct Deposit, First National Bank will waive the usual $4.50 monthly service charge. The minimum required to open a senior citizen account is $50.00.  First National Bank considers you to be a Senior Citizen if you are 62 years of age or older.

Community Service/Social Club Checking

First National Bank is happy to help community service organizations by serving the account with no service charges. There is no minimum balance required. Per your request, statements are issued monthly or quarterly. Any non-profit community service or social club is eligible for this account.

Super Now Checking

This account pays interest on the money you have in your checking account. The interest rate is tiered based on your balance. To open this account you must deposit a minimum of $1000. You must maintain a daily minimum balance of $1000. If your daily balance drops below $1000, anytime during the statement cycle, the account will be charged a $10 service charge for that month. You can avoid monthly fees by maintaining a $1000 minimum balance in the account.

Money Market HIFI Checking

If you want to earn interest and don't plan to make only a limited number of withdrawals per month...this account is for you. There is a minimum of $2500 required to open this account. Should you need to withdraw, a Hifi withdrawal form will be provided. If the minimum falls below $2500, anytime during the statement cycle, the service charge is $10.  Hifi accounts are permitted up to six (6) withdrawals per statement cycle. If the account exceeds the withdrawal limit of six, a per item fee of $5 is charged for each withdrawal item in excess of six until the next statement cycle.