Accounts
First National Bank has several different types of accounts for you to choose from. All accounts come with Free Debit/ATM Card, Free Internet Banking, Free Bill Pay & Free Text Banking.
Accounts:
- Free Checking
- Regular Checking
- First Club Banking
- First Club "With Interest"
- 55 Plus Checking Account
- 55 Plus NOW Account
- NOW Account
- Money Market Checking
- Regular Passbook Saving
Rate Information for Checking Accounts
Please call 931-728-3518, 931-728-4444, 615-563-8011 or 615-494-4200 for current rate information. The interest rates and annual percentage yields on these accounts are determined by bank management and are subject to change at any time.
Compounding & Crediting
Interest is compounded and credited monthly on the monthly statement date. To obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.
Balance Computation Method & Interest Accrual
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will begin to accrue no later than the business day we receive credit for non-cash items (for example, checks).
Other Account Fees
| Copies of Statements | First 10 pages free then $.50 per page |
| Check printing | Fee depends on style of check ordered |
| Insufficient Funds check (overdraft charge-per check) | $25.00 |
| Cashier's Checks (per check) | $3.00 |
| Stop payment request | $20.00 |
| Wire Transfer (outgoing) | $15.00 |
| Wire Transfer (incoming) | $10.00 |
| Check cashing (non-customer) | $3.00 |
| Account balancing & reconciliation (per hour-1 hour minimum) | $15.00 |
| Dormant checking account no activity for 1 year & balance less than $100 (per qtr) |
$3.00 |
| Dormant regular passbook savings account no activity for 1 year & balance less than $100 (per qtr) |
$3.00 |
| Cash withdrawals, balance inquiry, or transfers at a NON-FNB | $1.00 |
| Safety Deposit Boxes: | Starting @ $10.00 Contact your local branch for sized & prices |
