Accounts

First National Bank can offer you some great account options to make it easier to find the account that is best for you. Debit cards are available on all checking accounts for a more convenient and hassle free use of your money.

Using your debit card is faster than writing a check and accepted wherever you see the MasterCard logo. Call us at 325-853-2561 for any further questions concerning our accounts.

  • No minimum deposit required to open this account
  • Unlimited Check Writing
  • Free Member Checks
  • No annual fee credit Card(subject to credit approval)
  • Free accidental death insurance of $10,000
  • Free travel and personal service benefits
  • Free Cashier’s Checks
  • Check Images returned with monthly statement
  • Free Traveler’s Checks
  • ATM Card/Debit Card
  • Free telephone transfers/inquiries
  • Monthly maintenance fee of $1.00 is waived on one savings account
  • Free 24-hour Telephone Banking
  • Free Internet Banking
  • Overdraft Protection available to qualified account holders
  • Free upgrade to Bill Pay Plus

A balance fee of $8.00 will be imposed every month in which the average collected balance falls below $5,000.

  • Interest rates are determined on a tiered daily balance
  • No minimum deposit required to open this account
  • Unlimited Check Writing
  • Free Member Checks
  • No annual fee Credit Card(subject to credit approval)
  • Free Accidental Death Insurance of $10,000
  • Free travel and personal service benefits
  • Free Cashier’s checks
  • Check Images returned with monthly statement
  • Free Traveler’s Checks
  • ATM Card/Debit Card
  • Free telephone transfers/inquiries
  • Monthly maintenance fee of $1.00 is waived on one savings account
  • Free 24-hour Telephone Banking
  • Free Internet Banking
  • Overdraft Protection available to qualified account holders
  • Free upgrade to Bill Pay Plus

A balance fee of $12.00 will be imposed every month in which the average collected balance falls below $10,000.

  • No monthly maintenance fee
  • Unlimited Check Writing
  • No Minimum Balance Required
  • Free 24 hour Telephone Banking
  • Free Internet Banking
  • Overdraft Protection available to qualified account holders
  • ATM Card/Debit Card
Additional Services and Options Monthly Fee
We provide unlimited checks of a specific design $2.00
Check Images returned with monthly statement $2.00
To earn interest on your checking account balance $4.00
  • $2,500 minimum opening deposit
  • Interest rates are determined on a tiered daily balance

Fees:
A fee of $3.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.

A minimum balance fee of $10.00 will be imposed every month in which the average collected balance falls below $1,500.

Please call or come by for our current competitive rates

  • An earnings credit is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit.
  • Earnings credit begins to accrue no later than the business day we receive credit for the deposit of non-cash items.
  • Earnings credits will be earned on your positive average collected balance.
Fees:  
A monthly maintenance fee of $8.00 will be charged each statement cycle.
Per Debit $.15
Per item deposited $.08

This account is only available to sole proprietorships and nonprofit organizations.

  • Daily collected balance method to calculate the interest on your account is used. This method applies a daily periodic rate to the collected principal in the account each day.
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items(for example, checks)
  • Interest will be compounded monthly. Interest will be credited to your account monthly.
  • We may change the interest rate on your account at any time.
  • Call or come by for our current competitive rates.
Fees:  
A monthly maintenance fee of $12.00 will be charged each statement cycle.
Per Debit $.15
Per item deposited $.08
  • $100 minimum opening deposit
  • Must maintain minimum balance of $50.00 each day to obtain the disclosed annual percentage yield
  • A charge of $2.00 will be charged for each debit transaction in excess of 2 during the month
  • A fee of $1.00 will be charged every month in which the balance falls below $100
  • No minimum opening deposit, if under age 18
  • Must maintain minimum balance of $50.00 each day to obtain the disclosed annual percentage yield
  • A charge of $2.00 will be charged for each debit transaction in excess of 2 during the month
  • Our C/D’s pay interest monthly
  • We offer 1 month to 2 year C/D’s and longer upon request

Please call or come by for our current competitive rates.

  • Start saving for your retirement today by opening an IRA with a contribution or rolling over current retirement funds.
  • Traditional
  • Roth
  • SEP accounts

Please call or come by for our current competitive rates.