Checking Accounts

The First National Bank and Trust Co. offers complete checking services for individuals, partnerships, corporations, fraternal organizations and other groups:

Premium Checking Accounts
No monthly service fees are charged to regular checking accounts with direct deposit of payroll or Social Security or a minimum daily balance of $500 or when an average daily balance of $800 is maintained. There are no monthly service fees for senior citizens, estate accounts or trust accounts. Reserve Credit Lines are available.

Hometown Checking
No minimum balance required and no monthly service fees. Reserve Credit Lines are available.

55 Or Better Accounts
Complete check writing abilities with no minimum balance, no monthly service charge, no issue-charge for Traveler's Checks. Interest bearing accounts are not eligible. Reserve Credit Lines are available.

NOW Accounts
A NOW Account allows you to earn interest on funds in your account. This account requires a $1000 deposit to open and you must maintain a $1000 daily account balance to avoid a service fee.
 

First Premiere NOW Account
A minimum deposit of $2,500 is required to open a First Premiere NOW Account.  If the account balance falls below the $2,500 minimum, there will be a $5.00 service charge for each statement cycle and the interest rate will revert to the regular NOW account rate.  Your interest rate and annual percentage yield may change. First Premiere NOW Accounts are tiered as follows:

• $2,500 to $4,999
• $5,000 to $9,999
• $10,000 to $24,999
• $25,000+