Personal Savings Accounts

Money Market Plus  
Regular Savings
Christmas Club

Money Market Plus

  • Minimum opening balance of $1000.00
  • A daily collected balance of $1000.00 or above will earn a money market rate established by First National and is subject to change depending on market conditions.
  • Simple interest is earned on the daily collected balance and credited to your account monthly.
  • If the daily balance falls below $1000.00 there will be a $10.00 service charge for the month and no interest will be earned for the day.
  • You are allowed 6 pre-authorized debits or checks per statement.
  • After 6 withdrawals per month a $2.00 per withdrawal fee will be charged. These transactions are governed by law and if exceeded could result in the bank reclassifying the account as non-interest bearing.

Regular Savings

  • Minimum opening balance of $100.00
  • Collected balance of $100.00 or more earns interest based on market conditions, not to exceed 5.25%
  • Simple interest is computed on the collected balance and credited quarterly
  • Three withdrawals per quarter are allowed with no charge. All additional withdrawals are $1.00 each.
  • A dormant fee of $3.00 per quarter will be charged if there is no activity in 2 years. Statements may only be mailed at year end.

Christmas Club

  • Interest paid on the collected balance with the rate based on market conditions, not to exceed 5.25%.
  • Interest is earned daily and paid at maturity.
  • A Christmas Club check is mailed for the balance plus interest on the first of November.