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We offer several types of Deposit Services:
CLASSIC CHECKING ACCOUNT
A checking account with the following benefits: |
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| • | 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 |
| • | Overdraft protection 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. |
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 |
| • | Overdraft protection 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. |
FREE CHECKING ACCOUNT
A free checking account with the following benefits: |
| • | Free ATM and debit card access |
| • | Monthly statement of activity (check images excluded) |
| • | Unlimited check writing |
| • | No minimum balance requirement |
| • | Free access to online banking |
| • | Automatic funds transfer available |
| • | Privileged Status |
| A $100.00 minimum deposit is required to open this account. Overdraft charges are $15 per item if the account is overdrawn $.01 with a $75 cap per day. Overdraft protection is not available. |
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 |
| • | Semi-annual 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 IRA’s |
| • | 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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