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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 |
learn more |
|
Freedom 50 |
$50.00 |
No |
No |
Yes |
Yes |
Must be 50 years or
older to qualify
learn more |
|
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
learn more |
|
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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.
learn more |
|
IRA Premier Savings |
Tiered |
Yes, based on the
Personal Money Market
Account
tiered rates. |
Quarterly |
Multiple Deposits
are allowed.
learn more |
|
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. |
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Personal VISA Credit Card Options
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- 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.
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| • 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.
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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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Internet Banking
