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Accounts
First National Bank has several different types of accounts for you to choose from.
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 or 615-563-8011 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
| Fax Charge Local | Club Account $0.00 (per page) Regular Account $0.00 (per page) Non Customer $3.00 (per page) |
| Fax Charge Long Distance | Club Account $1.50 (per page) Regular Account $3.00 (per page) Non Customer $3.00 (per page) |
| 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 |
| Traveler's Checks (per $100 of value) | $1.00 |
| Stop payment request | $15.00 |
| 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 |
| Account research (per hour-1 hour minimum) | $15.00 |
| Automatic Teller Card | No Charge |
| Automatic Teller Usage | No Charge |
| Electronic Fund Transfers Pre-authorized draft | No Charge |
| Direct Deposit | No Charge |
| First National Bank ATM Services | No Charge |
| Cash withdrawal, balance inquiry, or transfer at Plus, Cirrus, Moneybelt, ATM | $1.00 |
| Point of Sale Transactions with ATM card | No Charge |
| 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 PLUS, CIRRUS or MONEYBELT ATM | $1.00 |
| Annual rent for safety deposit boxes: | 2x5: $10.00 3x5: $12.50 5x5: $15.00 3x10: $20.00 5x10: $25.00 10x10: $40.00 14x14: $45.00 16x18: $50.00 21x18: $50.00 |
