What account is in my best interest?
First National Bank in Whitney has numerous accounts and our experienced and friendly new accounts representatives will be happy to help you select the account that is right for you. Bank with confidence where your business is appreciated. First National has served the community with personal service since 1932.
Regular Checking
Requirements
- Minimum balance to avoid service charge, $500.00
- Service charge ranges from $5.00 to $9.00 depending on average balance
- $100 minimum to open
Benefits
- Unlimited transactions
- Canceled checks returned with monthly statement
- Free online banking
- Free 24 hour telebanking
- Mastercard debit cards available
- No service charge for full time students
Senior Citizen's Checking
Requirements
Benefits
- Available to those 62 and over with direct deposit
- No minimum balance
- Unlimited transactions
- Canceled checks returned with monthly statement
- Free online banking
- Free 24 hour telebanking
- Mastercard debit card available
Super NOW
Requirements
- $5000.00 minimum balance to avoid service charge
Benefits
- Interest earned is compounded monthly
- Unlimited transactions
- Canceled checks returned with monthly statement
- Free online banking
- Free 24 hour telebanking
Cost
- $10.00 service charge for below $2500.00 balance
NOW
Requirements
- $1500.00 minimum balance to avoid service charge
Benefits
- Interest earned is compounded monthly
- Unlimited transactions
- Canceled checks returned with monthly statement
- Free online banking
- Free 24 hour telebanking
Cost
- $10.00 service charge for below $1500.00 balance
Money Market
Requirements
- $5,000.00 minimum balance to avoid service charge
- Six transactions per month limit with no more than three by check
Benefits
- Interest rate is tiered with larger balances earning higher rates
- Interest is compounded monthly
Cost
- $10.00 service charge for below $5000.00 balance
- An item fee of $1.00 for each withdrawal is excess of six will be charged
Certificates of Deposit (CDs)
Requirements
- $1000.00 minimum to open account
Benefits
- Maturities range from 3 months to 2 years with interest rates fixed to maturity
- Penalty for early withdrawal
- Call our new accounts representatives for competitive rates
Savings
Requirements
- Minimum $100 to open
- Three withdrawals per quarter permitted
- $1.00 per withdrawal service charge after the third withdrawal
Benefits
- Interest is compounded quarterly
- No minimum balance for minors
- No minimum balance for senior citizens with direct deposit
- $100 minimum balance for all others
Cost
- $3.00 quarterly service charge where minimum balance is applicable
