First National Bank Personal & Business Banking
Hometown Hotline
Available 24 Hours a Day 7 Days a Week by calling 473-4400 with your PIN (Personal Identification Number), you can confidentially access specific information about your accounts through the use of a touch tone telephone.
Night Deposit Service
Night deposits are available at the Main Office, Smithville Highway Branch, Sparta Road Branch and Morrison Branch. This service is provided for those customers who need to make deposits at times when the bank is not open to accept them.
Personal
|
|
Description |
Opening Minimum |
Monthly Maintenance Fee |
Check Writing |
Interest |
Extra Notes |
|
Regular Checking |
Offers unlimited check writing privileges. Service charge determined by monthly account balance. |
$100.00 |
$7 Fee with balance below $500 (if balance falls below $500 anyday of the month) |
Unlimited |
No |
To avoid a monthly fee--must have a savings account with $2500 or more. Must have identical owners to waive fee, same social security number on each account. Non-profit accounts (churches, civic organizations, school clubs, etc.) may also have fee waived. |
|
First Reward Checking ** |
With First Reward Checking, you get more than just a free checking account. You also get an account that pays you back -- with a massive interest rate, no monthly service charge, monthly E-Statements, and so much more. Monthly banking activity requirements. |
$100.00 |
Free |
Unlimited |
Yes-Rate subject to change |
Qualifications for interest: 10 debit card purchases, 1 direct deposit or automatic payment, complete enrollment for E-Statements. Rewards include higher than average interest and Nationwide and International ATM fees refunded. This is a personal account only |
|
FNB Club |
Unlimited check
writing privileges, which carries $12,500
accidental death and dismemberment
insurance. |
$100.00 |
$9 |
Unlimited |
No |
300 checks free per year, Benefits: Accidental Death Insurance, Four Cashier's Checks no charge per cycle, Free stop payments, Free notary service, 10 copies per month, credit card protection. Many more benefits too |
|
Hometown Direct |
Requires direct deposit (payroll, social security, retirement, etc.) Offers convenience, safety, and security. |
$100.00 |
Free with Direct Deposit |
Unlimited |
No |
150 Free checks (one time only) Combined statements on all FNB accounts. |
|
Hometown Seniors |
Must be 55 years or older to qualify. Interest bearing account with a balance of $1000 or more. Special benefits with direct deposit along with many other privileges. |
$100.00 |
Free to individuals 55 and older |
Unlimited |
Yes-Minimum of $1000 |
With direct deposit 150 checks free per year. Benefits: Free Notary Service and Interest on balance over $1000 |
|
Lifeline |
Limited check writing at affordable monthly service charge. Unlimited ATM transactions. Special benefits with direct deposit. |
$100.00 |
$2 With direct deposit no fee |
10 |
No |
Ten withdrawals per month $.25 each additional withdrawal, 150 checks free per year. Eligible to anyone over 16 years of age. |
|
MMDA-Money Market Account |
Interest bearing checking. Minimum balance of $1000 required to open this account. Certain withdrawal restrictions do apply. |
$1,000.00 |
$15 Fee with balance below $1000 |
6 |
Yes-Minimum of $1,000 |
Limitations: 6 w/d each month. Unlimited in house transfers $500 or more. |
|
Small Business Checking |
A low cost checking account designed for the business customer who writes less than 50 checks per month. |
$100.00 |
$7 Fee with balance below $2500 |
50 |
No |
$.25 each additional check over 50 per statement cycle |
|
FNB BUSINESS PLUS |
First National Bank is pleased to offer an interest bearing account for business customers. Minimum daily balance: $2,500. No service charge. |
$2500.00 |
$10 Fee with balance below $2500 |
500 |
Yes-Minimum of $2,500 |
First 500 transactions free, remaining transactions $0.45/each. Competitive yield on balances as low as $0.01. Additional tiers maximize your yield as balances increase. Tiered interest rate. Rates subject to change without notice, add-on services available: Mobile Banking, Bill Pay, and Business Debit card. **Maximum of $250,000 FDIC Cover. |
**To be eligible for this account you must be an
existing customer or provide proof of residency in
one of the following Tennessee counties: Warren, Van
Buren, White, DeKalb, Grundy, Coffee, Cannon,
Bedford, Marshall, Williamson, Davidson, Wilson, or
Rutherford.**
Debit Cards, Bill Pay, and E-Statements all
available
Interest Bearing Accounts
Regular Savings
A basic savings account which requires a $10 balance to earn interest. Detailed statement provided semi-annually. Certain withdrawal restrictions apply.
Combined Statement Savings
Links savings account to checking account. Allows convenient transfers and ATM transactions between checking and savings accounts. Combined monthly statement.
Christmas Club Accounts
A convenient way to save for holiday spending. Can be opened individually or in most cases through an employer. Some withdrawal restrictions apply.
Hometown Youth Club Account
A savings program for the benefit of a minor. Requires a $10 balance to earn interest. Withdrawal restrictions apply. $10 required to open account.
Time Deposits (CD's)
A minimum deposit of $500 required to open. CD's are offered with a variety of rates and terms to fit the investors needs.
IRA's
An IRA is a special tax deferred retirement savings plan. A variety of investment options are available for IRA accounts, with fixed or variable interest rates.
Debit Cards
First National Bank is pleased to offer Visa Check Cards. Our Visa Check Cards can be used to purchase goods and services at any location that uses Visa, Cirrus, Pulse. They can also be used to access ATM machines.
FIRST NATIONAL BANK Credit Card
Safe Deposit Boxes
Available at all 5 First National Bank locations. Safe Deposit Boxes provide a safe and secure place for your important documents and momentos.
Business
Small Business Checking
· A low-cost checking account that is designed for the business customer who writes less than 50 checks on a monthly basis.
· Minimum monthly balance $2,500 no service charge
· Below $2,500 $7.00 per month
· Per check charge $.25 each additional check over 50 per statement cycle
Account Analysis
· Service charges computed on usage of your account
· Only fees will actually be accessed if the activity and account maintenance exceeds the earnings allowance on balances;
· Balance may offset charges
· Customers receive analysis statement
Analysis Service Charge
· Maintenance Fee $7.00
· Activity Costs:
o Checks paid $.14
o Checks Deposited
§ On Us $.06
§ Local $.065
§ Foreign $.075
o FDIC Charge
o Return Items $10.00
For charges on other transactions,
refer to miscellaneous charges.
If your account is service charged through analysis,
you will receive an account analysis statement
detailing the charge.
