Checking Accounts

A checking account, also referred to as a demand deposit or transaction account, is the most common and widely used bank product. A checking account is primarily used to deposit funds, including cash, checks and electronic transfers, and to disperse funds via paper check, electronic pre-authorized withdrawals, debit card purchases, ATM card withdrawals and transfers which can be done in-person, on the phone or online.

In response to varying customer needs, First National Bank & Trust offers a variety of personal checking accounts.  Whether you are depositing a paycheck, Social Security or a pension, each account offers uniquely designed features which make selecting the best option for your needs easy.

Hometown Checking

This is our most popular free checking account.  Our customer preferred features include:

  • First 50 checks are free.
  • No minimum balance required.
  • No monthly service charges.
  • Unlimited deposits and withdrawals.
  • Funds accessible via ATM card or debit card.
  • Overdraft protection options:
    • Reserve Credit Line (subject to credit approval).
    • Automatic transfers from another FNB & T deposit account.
    • Transfers from a First Premiere home equity line of credit.

Green Account

Our all new account for the environmentally conscientious consumer, this is our newest and fastest growing deposit account. Benefits and features of this account include: 

  • First 50 checks are free.
  • Earn $0.05 each time you use your debit card to pay for a purchase.*  
  • No minimum balance required.
  • Receive secured, eco-friendly statements monthly via e-mail, resulting in less waste.
  • Unlimited deposits, debit card transactions, and ATM withdrawals.**
  • No monthly service charges if five or fewer checks are paid per statement cycle.  If the limit of five checks is exceeded, there is a $2.00 charge per check until a new statement cycle begins.
  • Overdraft protection options:
    • Reserve Credit Line (subject to credit approval).
    • Automatic transfers from another FNB & T deposit account
    • Transfers from a First Premiere home equity line of credit. 

*No restrictions on number or size of transactions.  Refund is automatically deposited into your account in one lump sum at the end of each statement cycle.
**No refund granted for ATM use.  Valid on point of sale purchases only. 

Premium Checking Account

This account allows for easy balancing and recording.  Customers who choose this account will receive images of cashed checks and deposit slips in each monthly statement. Other features include: 

  • Unlimited deposits and withdrawals.
  • Funds accessible via ATM card or debit card.
  • Overdraft protection options:
    • Reserve Credit Line (subject to credit approval).
    • Automatic transfers from another FNB & T deposit account
    • Transfers from a First Premiere home equity line of credit.
  • The monthly service charge of $3.00 ($2.00 for students and $1.00 for non-profit organizations) can be avoided by utilizing one of the following options:
    • Direct deposit (payroll, Social Security, pension)
    • Estate accounts
    • Trust accounts
    • Age 55+
    • Maintain a minimum balance of $500.00 or an average daily balance of $800.00.

NOW Account

Our NOW accounts are Negotiable Order of Withdrawal (NOW) accounts against which you may write checks. First National Bank & Trust offers two NOW accounts to choose from, Regular NOW and First Premiere NOW. This is an excellent opportunity for eligible account holders to earn interest while enjoying many of the same features of our checking accounts. The bank reserves the right to require seven days written notice prior to withdrawal or transfer of funds in a NOW account.

  • Regular NOW Account
    • Earn a competitive rate of interest.
    • Unlimited deposits and withdrawals.
    • Funds accessible via ATM card or debit card.
    • Overdraft protection options:
      • Reserve Credit Line (subject to credit approval).
      • Automatic transfers from another FNB & T deposit account.
      • Transfers from a First Premiere home equity line of credit.
    • Minimum balance of $1,000.00 is required to avoid a $5.00 fee per statement cycle.
  • First Premiere NOW Account
    • This account offers the same benefits as our Regular NOW Account, but the the following enhanced benefits:
      • A higher interest rate based on the following tiers:
        • $2,500.00 to $4,999.99
        • $5,000.00 to $9,999.99
        • $10,000.00 to $24,999.99
        • $25,000.00 or more
      • Minimum balance of $2,500.00 required to avoid a $5.00 fee per statement cycle.
      • If the balance becomes less than $2,500.00 the interest rate reverts to the Regular NOW Checking Account rate.

Money Market Account

A money market account is a savings account that pays interest and allows a limited number of monthly withdrawals via checks and electronic transfers. This account is preferred by customers with large balances who need limited access to their funds. We offer two money market accounts, the Regular Money Market Account and the First Premiere Money Market Account.  Each account pays a competitive rate of interest.

  • Regular Money Market Account
    • Earn interest and avoid monthly service charges of $5.00 if minimum daily balance of $2,500.00 is maintained.
    • Interest rate reverts to NOW Account rate if daily balance becomes less than $2,500.00.
    • Limit of six check withdrawals or electronic transfers per month.
    • Unlimited in-person withdrawals and transfers (minimum withdrawal/transfer amount $250.00).
         
  • First Premiere Money Market Account
    • Earn an even higher rate of interest and avoid a $5.00 monthly service fee by maintaining a $10,000.00 minimum daily balance.
    • Interest rate reverts to Regular Money Market Account rate if the daily balance becomes less than $10.000.00.
    • Limit of six check withdrawals or electronic transfers per month.
    • Unlimited in-person withdrawals and transfers (minimum withdrawal/transfer amount $500.00).

Please contact us online or via phone at (906)774-2200 for more information.

 
   
    

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