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Checking Accounts

First National Bank offers deposit services with a variety of options. We match your individual needs with features that will enhance and simplify your banking transactions. In addition, each checking account we offer comes with an easy-to-read monthly statement. For additional information on any of our products or services, please contact Tami Snyder or any one of our branch locations.

Traditional Account

This fundamental account provides you with a convenient way to handle short-term funds and keep an accurate record of cash flow. The monthly service charge for this account is based on your daily balance. A minimum deposit of $100 is required to open your account. Additional features apply to accounts qualifying as: Senior Citizen, Full Time Student or Non Profit Organization.

Senior Citizen Account

If you are age 55 or over:

• The Traditional account is available to you with no monthly service charge.
• The service fee for the First Club and First Club NOW accounts will be reduced by $2. The same monthly minimum balance requirements for the First Club NOW account shall apply for Senior Citizen First Club NOW accounts.

Full Time Student Account

The Traditional account is available to any full time student with a minimum deposit of only $25. No monthly fees will apply, and the first order of 50 checks is free!

Non Profit Organization Account

Non profit organizations qualify for a Traditional account with no monthly service fee.

First Club Account

This exceptional account allows you to enjoy a low cost checking account with unlimited transactions, and no minimum monthly balance requirements. One low fee per month covers unlimited checking, plus many extras like discount travel services and credit card protection. Also included with this account is an accidental death and dismemberment insurance policy. A minimum deposit of $100 is required to open your account.

NOW Account

Wish that your checking account could earn money, as well as help you avoid a monthly service charge? If you normally carry a balance of at least $1,500, the NOW account could be for you. You receive all the benefits of the Traditional account, combined with the ability to access funds that are hard at work earning you interest. Service charges will apply to account balances that fall below $1,500 at any time during the monthly statement cycle. A minimum deposit of $1,500 is required to open a NOW account.

Money Market Account

This account is a liquid investment account that enables you to earn variable money market rates of interest on your funds. Ready access to funds on which there are no maturity restrictions allows you to have the flexibility to meet financial obligations without incurring any penalties for early withdrawal. A minimum deposit of $2,500 is required to open a Money Market Account. Service charges will apply to account balances that fall below the minimum balance requirement at any time during the monthly statement cycle.

First Club NOW Account

Have it all with this account! Interest bearing checking combined with loads of extra features allows this account to work hard for you. One low monthly fee covers unlimited checking, plus many extras like discount travel services and credit card protection. Also included with this account is an accidental death and dismemberment insurance policy. Additional service charges will apply to account balances that fall below $1,500 at any time during the monthly statement cycle. A minimum of $1,500 is required to open a First Club NOW account.

Business Account

We offer several account options to our business customers. Please refer to the chart below for the accounts that are available for your business description.

If Your Business Description Qualifies As A:	You May Choose From These Types of Accounts:
Sole Proprietor	- Traditional - NOW - Money Market - First Club NOW - First Club
Partnership	- Traditional - Money Market
Corporation	- Traditional - Money Market
Governmental Agency	- Traditional - Money Market

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