First National Bank and Trust offers the following Consumer Accounts to serve you:
Free
Checking with Direct Deposit
- Personal Checking
- Personal Checking with Interest
- Senior Citizens Checking
- IRA Savings
- IRA Fixed Rate Certificate – 2 Year Term
| Free Checking with Direct Deposit | |
| Services Include: | » No monthly Cash/Check card fee » Free Notary Service » Free 1st Year on Safe Deposit Box » Unlimited Check Writing » Free Check Imaging and Safekeeping |
| Monthly Service Fee: | No Service Charge with Direct Deposit |
| Minimum Daily Balance: | None |
|
Instant Cash/Check Card:
 |
» No monthly Cash/Check card fee » When using this card, you can make purchases and automatically withdraw funds from your checking account. |
| 24 Hour TeleBanking: | No charge to transfer funds between accounts over the phone. |
| Internet Banking: | » FREE Access to Online Banking » |
| Personal Checking | |
| Services Include: | » Unlimited Check Writing » Free Check Imaging and Safekeeping |
| Monthly Service Fee: |
None. $5 Maintenance charge and a charge of .25 cents per check/debit transaction if balance falls below minimum, waived for full-time students. |
| Minimum Daily Balance: | Maintain a $100 minimum daily balance, waived for full-time students. |
| Instant Cash/Check Card: |
» When using this card, you can make purchases and automatically withdraw funds from your checking account. No monthly cash/check card fee. |
| 24 Hour TeleBanking: | No charge to transfer funds between accounts over the phone. |
| Internet Banking: | » FREE Access to Online Banking |
| Personal Checking with Interest (Interest on Your Checking Account) | |
| Services Include: | » Tiered Interest Rates According to Daily Average Balance » Unlimited Check Writing » Free Check Imaging and Safekeeping |
| Monthly Service Fee: |
No monthly maintenance fee if minimum balance does not fall below $1,000.00. Otherwise a $5 Maintenance Charge and a 25 cents per check/debit transaction. |
| Minimum Daily Balance: | Maintain a $1000 minimum daily balance. |
| Instant Cash/Check Card: |
» When using this card, you can make purchases and automatically withdraw funds from your checking account. » |
| 24 Hour TeleBanking: | No charge to transfer funds between accounts over the phone. |
| Internet Banking: | » FREE Access to Online Banking |
| Senior Citizens Checking (For Customers over the age of 60) | |
| Services Include: | » 400 Graystone Wallet Checks Annually at No Charge » Free Notary Service. » 5 Free Photocopies per Month. » Unlimited Check Writing. » Free Check Imaging and Safekeeping. |
| Monthly Service Fee: |
None. |
| Minimum Daily Balance: | None. |
| Instant Cash/Check Card: |
» When using this card, you can make purchases and automatically withdraw funds from your checking account. |
| 24 Hour TeleBanking: | No charge to transfer funds between accounts over the phone. |
| Internet Banking: | » FREE Access to Online Banking |
| IRA Savings | |
| Minimum Deposit: | $100 |
| Current Interest Rate |
Refer to First National Bank's Rate page for current rates. |
| Current APY |
Refer to First National Bank's Rate page for current rates. |
| Compounding: | monthly |
| IRA Fixed Rate Certificate – 2 Year Term | |
| Minimum Deposit: | $500 |
| Current Interest Rate |
Refer to First National Bank's Rate page for current rates. |
| Current APY |
Refer to First National Bank's Rate page for current rates. |
| Compounding: | quarterly |
