First National Bank

Personal Checking Accounts

Business Checking Accounts

Savings Accounts

Personal Checking Accounts
Easy Check Checking Account
	Minimum Balance to Open:	$100.00
	Minimum Balance to Avoid Maintenance Fee:	None
	Monthly Maintenance Fee:	None
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earn Interest:	No
	ATM/Debit Card:	Yes
	Image Checks Returned:	No
	Detailed Monthly Statement:	Yes

First Premier Checking Account
	Minimum Balance to Open:	$300.00
	Minimum Balance to Avoid Maintenance Fee:	$300.00
	Monthly Maintenance Fee:	$7.50 if balance falls below $300.00
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earn Interest:	No
	ATM/Debit Card:	Yes
	Image Checks Returned:	Yes
	Detailed Monthly Statement:	Yes

Golden Circle Checking Account (for customers 55 years of age or more)
	Minimum Balance to Open:	$100.00
	Minimum Balance to Avoid Maintenance Fee:	$100.00
	Monthly Maintenance Fee:	$3.00 if balance falls below $100.00
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earn Interest:	No
	ATM/Debit Card:	Yes
	Image Checks Returned:	Yes
	Detailed Monthly Statement:	Yes

First Interest Bearing Checking Account
	Minimum Balance to Open:	$500.00
	Minimum Balance to Earn Interest:	$500.00
	Minimum Balance to Avoid Maintenance Fee:	$500.00
	Monthly Maintenance Fee:	$7.50 if balance falls below $500.00
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earn Interest:	Yes
	ATM/Debit Card:	Yes
	Image Checks Returned:	Yes
	Detailed Monthly Statement:	Yes


Business Checking Accounts
Farm or Small Business
	Minimum Balance to Open:	$100.00
	Monthly Maintenance Fee:	$7.50
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earnings Credit (Offset Service Charges):	None
	Minimum Balance to Earn Interest:	No

Business Non-Profit Organization
	Minimum Balance to Open:	None
	Monthly Maintenance Fee:	None
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earnings Credit (Offset Service Charges):	None
	Minimum Balance to Earn Interest:	No

Business NOW Account
	Minimum Balance to Open:	$500.00
	Minimum Balance to Earn Interest:	$500.00
	Minimum Balance to Avoid Maintenance Fee:	$500.00
	Monthly Maintenance Fee:	$7.50 if balance falls below $500.00
	Per Check/Debit Charge:	None
	Per Deposit/Credit Charge:	None
	Per Deposited Item Charge:	None
	Earn Interest:	Yes
	Earnings Credit (Offset Service Charges):	None


Savings Accounts
First Savings Account
	Minimum Balance to Open:	$10.00
	Minimum Balance to Earn Interest:	$10.00
	Minimum Balance to Avoid Maintenance Fee:	$10.00
	Monthly Maintenance Fee:	$2.00 if balance falls below $10.00
	# of Withdrawals Allowed:	3 per month
	Per Withdrawal Charge:	$2.00 for each withdrawal over 3
	Earn Interest:	Yes

First Money Market Account
	Minimum Balance to Open:	$2,500.00
	Minimum Balance to Earn Interest:	$2,500.00
	Minimum Balance to Avoid Maintenance Fee:	$2,500.00
	Monthly Maintenance Fee:	$10.00 if balance falls below $2,500.00
	# of Withdrawals Allowed:	6 per Statement Cycle
	Per Withdrawal Charge:	$2.00 for each withdrawal over 6
	Earn Interest:	Yes

Business Regular Savings
	Minimum Balance to Open:	$10.00
	Minimum Balance to Earn Interest:	$10.00
	Minimum Balance to Avoid Maintenance Fee:	$10.00
	Monthly Maintenance Fee:	$2.00 if balance falls below $10.00
	# of Withdrawals Allowed:	3 per month
	Per Withdrawal Charge:	$2.00 for each withdrawal over 3
	Earn Interest:	Yes

Business Money Market Account
	Minimum Balance to Open:	$2,500.00
	Minimum Balance to Earn Interest:	$2,500.00
	Minimum Balance to Avoid Maintenance Fee:	$2,500.00
	Monthly Maintenance Fee:	$10.00 if balance falls below $2,500.00
	# of Withdrawals Allowed:	6 per Statement Cycle
	Per Withdrawal Charge:	$2.00 for each withdrawal over 6
	Earn Interest:	Yes

Holiday Savings Account
	Minimum Balance to Open:	$10.00
	Minimum Balance to Earn Interest:	$10.00
	Minimum Balance to Avoid Maintenance Fee:	$10.00
	Monthly Maintenance Fee:	$ 2.00 if balance falls below $10.00
	# of Withdrawals Allowed:	6 in November and December
	Per Withdrawal Charge:	$10.00 for each withdrawal from January 1 through October 31
	Earn Interest:	Yes

Health Savings Account
	Minimum Balance to Open:	$100.00
	Minimum Balance to Earn Interest:	$0.01
	Minimum Balance to Avoid Maintenance Fee:	None
	Monthly Maintenance Fee:	None
	Per Withdrawal Charge:	None
	Earn Interest:	Yes
	One-time Set-up Fee	$20.00