Checking

First National Bank offers a wide variety of checking account options for everyone!

Regular and Business Checking

This is one of our most popular checking accounts. With a minimum deposit of $50, it's ideal for those who want unlimited check writing for a low service fee, you will not receive a service fee as long as you maintain a $600 balance. You will even receive a statement organizer with this account to organize your statement images.

Opening Balance	Minimum Balance	Monthly Service Charge	Interest Bearing
$50	$600	$6 if balance falls below $600	No

First Choice Checking

The ultimate in convenience and services! This is an interest-bearing account with features like 1st Choice Account checks, interest is paid monthly, accidental death/dismemberment insurance, cashiers checks, money orders, notary service and a bonus rate on CDs for a low maintenance fee of $10.00. Accidental Death/Dismemberment Insurance is not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the bank and may go down in value.

Opening Balance	Minimum Balance	Monthly Service Charge	Interest Bearing
$50	None	$10 maintenance fee	Yes

Super Now Checking

With a balance of $2,000 and above, there is no service charge. There is a charge of $10 if the account falls below $2,000 any day of the cycle. Your account earns interest which will be added monthly – and you still get the service and convenience of a checking account. Interest rate is subject to change.

Opening Balance	Minimum Balance	Monthly Service Charge	Interest Bearing
$2,000	$2,000	$10 if balance falls below $2,000	Yes

Golden Years Checking (for age 60 and over)

Our Golden Years account has been designed to save you time and money on the services you value most. You can open this account with $50, and your Golden Years Account checks are always free! You also receive notary service, a 10% discount on safety deposit box rent and no monthly service charge.

Opening Balance	Minimum Balance	Monthly Service Charge	Interest Bearing
$50	None	None	No

First Premium Checking

Opening Balance	Minimum Balance	Monthly Service Charge	Interest Bearing
$2,500	$2,500	$10 if balance falls below $2,500	Tiered - Rate Subject to Requirements

First Reward Checking

The First Reward Checking account is a unique, no-minimum balance checking account that rewards customers with interest earnings and automatic refunds on ATM fees (up to $4.99 per transaction).

To qualify for the high interest account and the ATM fee refunds, account holders must:

Make at least 10 free check card transactions per cycle, (excluding ATMs).
Receive their monthly statements via secure e-mail vs. a paper statement.
Make one ACH auto debit or direct deposit.

If a First Reward Checking account holder does not meet all the requirements during the statement cycle, he or she will not receive ATM refunds and will receive a lower interest rate for that time period. There is no minimum balance to maintain and no service charges. This account is for personal checking customers

Opening Balance	Minimum Balance	Monthly Service Charge	Interest Bearing
$50	None	None	Tiered - Rate Subject to Requirements

Customer Overdraft Policy

An insufficient balance may result from A) the payment of checks, electronic fund transfers or other withdrawal requests; B) payments authorized by you; C) the return, unpaid of items deposited by you; D) the imposition of the Bank's Funds Availability Policy, are treated as not yet "available" or paid. We are not obligated to pay any item present for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing defined as: A) making regular deposits; B) bringing your account to a positive end-of-day balance every 30 days or less; and C) there are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. We will approve an overdraft for you in an amount for the type of account that you have opened. This limit includes our non-sufficient funds and/or overdraft (NSF/OD) charges of $37.50 per item beginning with the first item that overdraws your account balance by more than $25.00. Accounts must be open for more than 30 days with regular deposits made. However, the overdrawn account must be brought to a positive balance within 30 days to avoid revoking the overdraft privilege. At the bank's discretion, we may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. Overdraft fees may apply to overdrafts created by check, in person withdrawals, recurring debit card transactions or other electronic means.

Notice to All Commercial Accounts

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful internet gambling means to "place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State laws in the State or Tribal Lands in which the bet or wager is initiated, received or otherwise made."

As a valued customer of First National Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.