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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.


Personal Checking and Savings Options

Account Name Opening Deposit Maintenance Fee  Minimum Daily Balance Required Interest Bearing Free Checks Additional Features
or Information
Free Checking $100.00 No No No First
Box Free
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Freedom 50 $50.00 No No Yes Yes Must be 50 years or
older to qualify
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NOW $1000.00 $10.00 monthly, waived with minimum balance $1000.00 Yes No learn more
Money Market $500. $7.50 monthly, waived
with minimum balance
$500. Yes N/A Tiered interest rates based on tiered balances
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Money-wise
Savings
$100.00 $6.00 quarterly, waived
with minimum balance
$100.00 Yes N/A learn more

Personal Certificate of Deposit Options
Account Name Monthly
Maintenance Fee
Minimum
Opening Balance
Interest Bearing Statements Additional Features
or Information
Certificate of Deposit None $500.00 Yes, based on
Term of Certificate
At Maturity Penalties apply
for early withdrawal
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Individual Retirement Account (IRA) Options
Account Name Minimum
Opening Deposit
Interest Bearing Statements Additional Features
or Information
IRA Savings $100.00 Yes, based on the
Personal Savings Account rate.
Quarterly Multiple Deposits are allowed.
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IRA Premier Savings Tiered Yes, based on the
Personal Money Market
Account tiered rates.
Quarterly Multiple Deposits are allowed.
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IRA Certificate $500.00 Yes, based on the
Term of Certificate.
At Maturity Terms offered are based on the Personal Certificate of Deposit options. Penalties apply
for early withdrawal.
 
Personal VISA Credit Card Options
 

  • Visa Signature Rewards
  • Visa Platinum
  • College Rewards Visa
  • Co-Signer Visa
  • Secured Visa

Personal Loan Options

First National Bank has a variety of loans to meet all of your credit needs and fit your budget.
 
• Vehicle loans - for the purchase of that new or used car, truck, or SUV.
 
• Consumer loans - for the purchase of a recreational vehicle, such as a motorcycle, snowmobile, or four-wheeler, or to finance a personal expense.

• Mortgage loans - for the purchase of a new home, whether a primary residence or a second home, or to refinance an existing mortgage loan.

• Home Equity loans or lines of credit - for home improvements, debt consolidation, or other credit needs.

• Construction loans - for the construction of a new home.

• Personal credit lines - for periodic credit needs or to provide overdraft protection.
 

Our experienced and knowledgeable lenders will make the process simple and the savings great. Contact us to discuss the loan that’s right for you!
 

 
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