First National Bank and TrustFirst National Bank and Trust

Personal Savings

Account Type Monthly Service Fee Interest Bearing
Money Market More»
None when minimum balance is maintained Yes

Money Market
The account that provides you access to your money by check while your dollars earn interest at competitive rates.

  • $100 minimum deposit to open
  • Earns interest (Interest is calculated on the daily balance and paid monthly)
  • Minimum monthly balance to avoid service fee is $2,500.00
  • Service fee if balance falls below minimum is $5.00
  • ATM/check card available
  • Free check imaging and a complimentary binder
  • Free 24-hour account access with First Telebanking
  • Free 24-hour on-line banking with First Net Banking
  • Transaction limits and fees:

You are allowed 6 checks, drafts, debit card, automatic, preauthorized or telephone transactions per month. There is a $2.50 charge for each transaction over 6. You may have unlimited withdrawals in person or by mail.

Dormant Fee- If your Money Market account has no activity for 1 year, the account may be subject to a $10.00 per month fee.

Savings More»
No Fees! Yes

Savings
This account earns interest at a competitive rate based on current market conditions.

  • $100 minimum deposit to open
  • Earns interest (Interest compounded daily and paid quarterly)
  • Quarterly statement
  • Free 24-hour account access with First Telebanking
  • Free 24-hour on-line banking with First Net Banking
  • Convenient electronic deposit and pre-authorized payment processing
  • Automatic transfers between selected accounts
  • Transaction limits and fees:

You are allowed no more than 6 automatic, preauthorized, or telephone transfers per month, including drafts or debit card transactions. There is a $2.50 charge for each transaction over 6. You may have unlimited withdrawals in person or by mail.

Dormant Fee- If your savings account has no activity for 1 year, the account may be subject to a $10.00 per month fee.

All-Star Savers More»
No Fees! Yes

All-Star Savers
This savings account is for children 0-12 who want to learn basic banking, plus have lots of fun. It is a unique savings plan that provides incentives and rewards for saving. Your account is your membership to our All-Star Club. Our club entitles you to the following:

  • No minimum deposit to open
  • Earns interest (Interest compounded daily and paid quarterly)
  • Free All-Star T-shirt with $5.00 initial deposit
  • Free membership card
  • Free quarterly newsletter
  • Quarterly statement
  • Free activities such as bowling, swimming and other fun events
  • Transaction limits and fees:

You are allowed 6 pre-authorized, automatic or telephone transfers per month; a $2.50 charge for each transaction over 6.

A 10 point coupon is given when a deposit is made (one a week) and these coupons can be used to receive All-Star prizes for FREE.

Dormant Fee- If your savings account has no activity for 1 year, the account may be subject to a $10.00 per month fee.

Christmas Club More»
No Fees! Yes*

Christmas Club
Save all year long and enjoy the holidays to the fullest with a Christmas Club account!

  • No minimum deposit to open
  • Receive a free gift
  • Earns interest (Interest compounded daily. No interest paid for early withdrawal.)
  • Checks are mailed the first week of November
  • Automatic transfers between selected accounts
Certificates of Deposit (CDs) More»
No Fees! Yes*

Certificates of Deposit (CDs)
A Certificate of Deposit is a solid investment of your money because you earn interest at a competitive rate.

  • Your choice of term from 7 days to 36 months; minimum deposit required depending on term.
  • Interest is earned on your Certificate of Deposit based on the term of the certificate*
  • Your interest can be automatically deposited into your account

*In the event of early withdrawal, a penalty may be required.

Individual Retirement Accounts (IRAs) More»
No Fees! Yes*

Individual Retirement Accounts (IRAs)
An IRA is a personal tax shelter that helps you save and plan for your retirement.

  • No minimum deposit to open
  • Your choice of term from 7 days to 48 months
  • Fixed or variable rate
  • Offer both Self-Directed and Managed IRA plans
  • Roth IRAs
  • Tax Deductible IRAs
  • Retirement Plan Rollover IRAs including:
    • 401 (k) Plans
    • 403 (b) Plans
    • Profit-Sharing Plans
    • Other IRA Rollovers

*In the event of early withdrawal, a penalty may be required.

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