• Checking Accounts
• Savings Account
• Certificates of Deposit
• IRA's
• Loan Services
• Credit Cards
• ATM/Visa Check Cards

Checking Accounts

Budget Checking Account

If you only write a very few checks per month, this type of account may be for you. You are allowed 10 checks per month for a monthly service charge fee of $1.00. However, if you write more than the 10, you will be charged $.25 for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) over the limit.

Regular Checking Account

If you just need a safe and simple checking account, this is it. With a small service charge of just $3.00 per month and unlimited checking, this type of account may be for you. Students avoid the service charge altogether.

NOW Account

Earn interest and get all the benefits of a regular checking account. This account puts your money to work for you. Maintain a $500 average balance throughout the month and avoid a $5.00 service charge.

Super NOW Account

Customers that maintain higher balances can earn higher interest. Here's another great tool in your overall savings program. Maintain a $500 average balance throughout the month and avoid a $5.00 service charge, but with an average balance of $2,500 per month you will obtain a higher interest rate. Accounts with balances over $10,000 earn a higher rate of return.

Money Market Account

Comercial and business customers that maintain higher balances can earn interest with a minimum opening deposit of $2,500. An unlimited number of deposits or withdrawals are permitted in person, by mail or by ATM to the extent that these services are available with your account.  By federal regulation, not more than six preauthorized, automatic, online or telephone transfers or withdrawals are permitted per month. Three of these six transfers or third party withdrawals may be made by check or debit card (also known as Point-of-Sale (POS) withdrawal). A minimum balance fee of $5.00 will be imposed each monthly statement cycle if the average balance in the account falls below $500. This is an interest bearing account, however a minimum average balance of $500 must be maintained to earn interest. Accounts with balances over $10,000 earn a higher rate of return.

Savings Account

This traditional savings account is a convenient way to save. Your account balance earns daily interest which is compounded and paid quarterly. You can open a regular savings account with an initial deposit of $100. A minimum balance fee of $5.00 per quarter will be charged if the average daily balance in the account falls below $100. An excessive transaction fee of $5.00 will be charged for each withdrawal over six per month. The minimum balance fee and initial deposit requirement will not apply to persons ages 18 and under.

Certificates of Deposit

Minimum initial deposit is $1,000. The interest rate is fixed for the term of the deposit, and additional deposits are not permitted. Because you leave the funds on deposit for a certain time period, you receive a higher interest yield. If, however, you wish to withdraw the funds before maturity, there will be a substantial penalty for early withdrawal.

IRA's

Whatever your IRA needs are, we can offer custom solutions to fit your needs. Whether you are making a normal yearly contribution, a transfer or rollover, First National Bank offers both Traditional and Roth IRA's. We put all of our IRA's into Certificates of Deposit to maximize growth while being FDIC insured.

Loan Services

Agricultural Loans

First National Bank has been providing financing for agriculture since 1901. If you need operating loans for working capital, intermediate term loans for capital purchases, or long term financing for real estate purchases, this should be your bank. Our Line of Credit loans keep interest costs to a minimum, are easily accessible, and are there whenever you need them. It's a great liquidity tool for your agricultural needs.

Commercial Loans

Whether your business needs a construction loan, is purchasing an existing building or looking to refinance an existing commercial real estate loan, we can customize a loan that will help you meet your business goals. If you need to make needed capital purchases, consolidate debt, or simply adjust your intermediate debt to match your cash flow, our structured term loans can help. We'll work with you to find the most advantageous terms.

Consumer Loans

Personal Loans

Need to consolidate your bills into one easy payment? Maybe you need some short term money until you get your tax refund. Even if you need some funds for that special family vacation, give us a call. We can structure your request to your income stream. Monthly pay or single pay - we'd love to help!

Vehicle Loans

Is it finally time for a new automobile or truck for the family? Stop in and see us, set up the financing, then go to the dealer. You're sure to get yourself the best possible deal. Shop around if you like, but you'll find our rates to be some of the most competitive. We'd love to see you in that new ride!

Home Improvement Loans

Looking for an easy way to increase the value of your home? How about a home improvement loan? You make yourself popular at home, increase the value of your residence, and get all the tax benefits. It's the best of everything. Let us know how we can help!

Other

Perhaps we've forgotten something? Loans for college tuition, a family emergency, or an unexpected bill can make life difficult. If a short-term loan, for practically anything, can make life easier, please give us a call. It's our business!

Real Estate Loans

If you are looking for a real estate loan to purchase a home, farmland, or other real estate, look no further than The First National Bank. Our terms are flexible and we'll give you a quick answer to your loan request. We'll do our very best to come up with a plan you'll like. We offer financing for all of the following:

• Purchase
• Refinance
• Construction
• Conventional
• Fixed Rate Balloon Loans
• Adjustable Rate Mortgages
• Others



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Credit Cards

Personal and business credit card applications are available at First National Bank.

ATM/Visa Check Cards

One Card allows you to avoid the delays of check approval and gives you easy access to cash. The First National Bank debit card is readily accepted at retailers. The purchase amounts are then automatically deducted from your checking account. It's also an ATM card, giving you 24 hour access to cash whenever and wherever you need it. Because the First National Bank is a member of the Privileged Status program this adds an extra benefit of having your ATM or debit card with us. Just look for the Privileged Status logo at ATMs, and you won't pay a surcharge fee! All this convenience in one little card!