First National Bank - Seiling, Oklahoma

Checking & Savings Accounts
Certificates of Deposit
Loan Rates
Current Fees

Checking & Savings Accounts Effective as of August 22, 2005
Account Type	Minimum Balance	Interest Rate	APY*
Savings Account	$100.00	1.00%	1.00%
NOW Account Tier 1 Tier 2	$500.00 $100,000.00	0.50% 1.60%	0.50% 1.61%
Super NOW Account Tier 1 Tier 2 Tier 3	$2,500.00 $10,000.00 $100,000.00	0.75% 1.00% 1.60%	0.75% 1.00% 1.61%
Club Account	$500.00	0.50%	0.50%
Fees may reduce earnings on these accounts. Rates may change after the account is opened, and are subject to change without notice. *APY = Annual Percentage Yield

$1,000 - $99,999.99 Certificates of Deposit and Individual Retirement Accounts*** Effective as of March 31, 2008
Term/Period	Minimum Balance to Open	Interest Rate	APY*
3 Months	$1,000.00	2.35%	2.38%
6 Months	$1,000.00	2.50%	2.53%
12 Months	$1,000.00	2.60%	2.63%
Rates are subject to change without notice. APY = Annual Percentage Yield - Calculated on a monthly compounding basis for terms equal to or greater than 12 months and simple for lesser terms. ** An early withdrawal penalty may be imposed. Early withdrawal fees could result in a reduction in earnings and/or principal. Please contact us for rates on deposits of $100,000 or more.

return to top

Loan Rates

For current loan rates, contact one of our friendly loan officers.

CURRENT FEES

Service Charges/Fees
(Some fees may or may not apply to your particular account)

Service

Charges/Fees

Budget Checking Account

Monthly Service Charge

Per Item Fee in excess of 10 per month

$1.00

$ .25

Regular Checking Account

Monthly Service Charge

$3.00

NOW Checking Account

Monthly Service Charge if Average Balance Below $500

$5.00

Super NOW Account

Monthly Service Charge if Average Balance Below $500

$5.00

Savings Account

Per Item Fee in Excess of 3 Qualifying Withdrawals Per Month

Quarterly Service Charge if Average Balance Below $100

$5.00

$2.00

All Accounts

Temporary Checks

Deposited Checks (and other items) Returned Unpaid

Dormant Account Fee (12 months of inactivity for 12 months)

Overdraft (each debit or check paid)

Non-Sufficient Funds (NSF) each item

Stop Payments (all items)

Accounts closed within 90 days of opening

Photocopies (per page)

Account Research (per hour)

Charge for ATM Replacement Card

Check Printing Fees Vary by the Style of the Checks Ordered

$1.00

$ .50

$5.00

$15.00

$10.00

$5.00

$ .20

$10.00

$2.00

return to top

Member FDIC	First National Bank Home \| Privacy Policy \| Terms of Use \| USA PATRIOT ACT \| Banking Services \| Online Banking Additional Services \| Community Center \| Current Rates \| Contact Us \| Kids' Zone \| About Us	Equal Housing Lender
NOTICE: First National Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.