Deposit Services
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We offer several types of Deposit Services:

CLASSIC CHECKING ACCOUNT

A checking account with the following benefits:
Check
 • Free ATM and debit card access
 • Monthly statement of activity
 • Imaged checks printed in check number order
are returned with monthly statement
 • Unlimited check writing
 •  Sweeps available
 • Automatic funds transfer available
 • Free access to online banking
 • Combined statement availability
 • Privileged Status
A $3.00 monthly service charge will be waived if any one of the following applies:
Maintain a minimum daily balance of $300 during the statement cycle; or Maintain an average daily balance of $1,000 during the statement cycle; or Maintain any checking, savings, CD or loan account with FNB that has a ledger balance of $1,000 or more in any one account on your statement date; or account is set to receive e-statements with an active online banking account.


SUPER NOW CHECKING ACCOUNT

An interest-bearing checking account for individuals, sole proprietors, or non-profit organizations that pays a competitive rate of interest. A $1,000 minimum opening balance is required.

Other benefits include:
 • Free ATM and debit card access
 • Monthly statement of activity
 • Imaged checks printed in check number order
are returned with monthly statement
 • Interest compounded and credited monthly
 • Unlimited check writing
 •  Sweeps available
 • Automatic funds transfer available
 • Free access to online banking
 • Combined statement availability
 • Privileged Status
A $5.00 monthly service charge will be waived if any one of the following applies:
Maintain a minimum daily balance of $1,000 during the statement cycle; or Maintain an average daily balance of $2,000 during the statement cycle.


MONEY MARKET ACCOUNT

The Money Market account that pays interest. A $2,500 minimum opening balance is required.

Other benefits include:
 • Monthly statement of activity
 • Imaged checks printed in check number order
are returned with monthly statement
 • Interest compounded and credited monthly
 • Automatic funds transfer available
 • Free access to online banking
 • Combined statement availability
 • Free printed checks
 • Free ATM and debit card access
 • Privileged Status


INVESTMENT PLUS ACCOUNT

Earn a very competitive rate of interest on you Investment Plus Account based on the balance you maintain.

Other benefits include:
 • Monthly statement of activity
 • Imaged checks printed in check number order
are returned with monthly statement
 • Interest compounded and credited monthly
 • Automatic funds transfer available
 • Free access to online banking
 • Combined statement availability
 • Free printed checks
 • Free ATM and debit card access
 • Privileged Status
Transfers or withdrawals from a Money Market or Investment Plus Account by means of a preauthorized, automatic, telephonic or computer transfer to another account of yours or to third party or by check, debit card, or similar order to a third party are limited to six per statement cycle.


PASSBOOK SAVINGS ACCOUNT

Our saving account plan offers you a competitive rate.

Other benefits include:
 • Free ATM card access
 •  Quarterly statement of activity
 • Interest compounded and credited quarterly
 • No monthly fee to account holders under 18
 • Free access to online banking
 • Combined statement availability
No monthly fee if account maintains an average daily balance of $50. A $1.00 fee is waived by maintaining any checking, savings, CD or loan account with FNB that has a ledger balance of $1,000 or more on the last day of the month.

Transfers or withdrawals from a Savings Account by means of a preauthorized, automatic, telephonic or computer transfer to another account of yours or to third party or by debit card or similar order to a third party are limited to six per month or statement cycle.


HEALTH SAVINGS ACCOUNT

An interest bearing checking account designed exclusively for
covering medical expenses on a qualified high deductible plan.

Other benefits include:
 • No minimum deposit and/or balance requirements
 • Interest compounded and credited monthly
 • Free Debit card access
 • Free checks
 • Monthly statement of activity with check images
 • Free access to online banking
 • No maintenance fees


OTHER SERVICES

LOANS
 • Agricultural
 • Business
 • Fixed Rate Real Estate Loans with Maturities of up to 30 Years.
 • Auto & Personal
 • Home Improvement
 • Construction

TRUST DEPARTMENT
 • Investment Management
 • Trust and Estate Administration
 • Power of Attorney and Guardianships
 • Qualified Retirement Plans and IRAs
 • Farm Management

RETIREMENT ACCOUNTS
 • Traditional IRA
 • Roth IRA
 • Spousal IRA
 • Transfer IRA
 • Rollover IRA
 • CESA IRA (Coverdell Education Savings Account IRA)
 • Simplified Employee Pension (SEP) Plans
 • Self-Directed IRAs
 • Small Business Retirement Plans

CERTIFICATES OF DEPOSIT
SAFE DEPOSIT BOXES
MERCHANT CREDIT CARD SERVICES
CHRISTMAS CLUB ACCOUNTS
ATM AND DEBIT CARDS

Contact Farmers National Bank for more information on any of these services.
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