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:

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