When you open an account, you want to make sure that all of your banking needs are met. First National Bank offers a variety of accounts to choose from. We are sure that you will find one that is just right for you.

Regular Checking

Requirements:

• $100.00 Minimum opening deposit
• Maintain a daily balance of $100.00 to avoid $5.00 per month maintenance fee

Benefits:

• Unlimited check writing
• Statement includes check images
• ATM/Debit card available

Super Senior Checking

Requirements:

• Must by 55 years of age or over
• $100.00 Minimum opening deposit

Benefits:

• No minimum balance required
• No monthly service charge
• Unlimited check writing
• Free Super Senior checks
• Statement includes check images
• Free money orders, cashiers checks and travelers checks
• ATM/Debit card available

Now Checking

Requirements:

• $1,000.00 Minimum opening deposit
• Maintain a daily balance of $1,000.00 to avoid $10.00 per month maintenance fee

Benefits:

• Unlimited check writing
• Statement includes check images

Super Now Checking

Requirements:

• $2,500.00 minimum opening deposit
• Maintain a daily balance of $2,500.00 to avoid $10.00 per month maintenance fee

Benefits:

• Unlimited check writing
• Statement includes check images

Hi-Fi Money Market

Requirements:

• $2,500.00 minimum opening deposit
• Maintain a daily balance of $2,500.00 to avoid $10.00 per month maintenance fee
• Account limited to six withdrawals per statement cycle

Benefits:

• Statement includes check images
• Unlimited withdrawals done in person or at the ATM

*Interest compounded monthly and paid on daily collected balance

Personal Savings

Requirements:

• $100.00 minimum opening deposit
• Must maintain $1.00 minimum daily balance to obtain the disclosed annual percentage yield
• Account limited to six transactions per month

Benefits:

• Interest is compounded and paid semi-annually
• Quarterly statements

*Interest compounded monthly and paid on daily collected balance

Christmas Club

Description:

• Minimun opening balance of $5.00
• No deposit limitations
• If withdrawls are made before November, the account may be closed
• Effect of closing account - If you close your account before interest is paid, you will not recieve accrued interest and there will be a $10.00 withdrawal fee
• Compounding and Crediting frequency - Interest will be compounded and credited into this account semiannually
• Funds will be disbursed every November

Certificates of Deposit

Description:

• Certificates of Deposit offer an opportunity to earn a higher rate of return on a safe and secure investment. With a low initial deposit, you can select from a range of maturities. Just ask your Customer Service Representative.

Retirement Plans

Description:

• Invest in your future. Building an Individual Retirement Plan is important and one that we take seriously. Just ask us how!

Business Checking

Description:

• This account offers complete banking services for the small business owner.

Requirements:

• $250.00 minimum opening deposit
• Maintain a daily balance of $500.00 to avoid $8.00 per month maintenance fee.

Benefits:

• No per item fee*
• Monthly statement with check images
• Business debit card available
• VISA Corporate Card available
• Merchant service

* Accounts that exceed more than 200 transactions per month are subject to monthly review. The bank reserves the right to use our discretion to determine fees for higher volume accounts or accounts that require special handling.