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Truth In Savings Disclosure

Effective Date: June 14, 2012

THIS DISCLOSURE APPLIES ONLY TO CONSUMER ACCOUNTS

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Checking Accounts

Savings Accounts

Certificates of Deposit

Individual Retirement Accounts

Other



Free First Checking

You’ll enjoy no monthly service charge, no minimum balance requirement, truncated checks, unlimited check writing, free ATM/Check card and free online banking with our First Free Checking account.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn. This account will be considered to be inactive if there are no transactions for a period of 180 calendar days. At the bank’s discretion the bank may close the inactive account without notice. If the inactive account is closed by the bank, the bank will remit the balance of the account in the form of a Cashier’s Check made payable to the owners of the account. The check will be sent by U.S. Mail to the most current address on record for the account.

Checksmart Checking

You’ll enjoy unlimited check writing without monthly fees when you maintain a small daily balance in a Checksmart Checking Account at First National Bank. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order. ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: Maintain a $500.00 minimum daily balance in a Checksmart Checking Account and avoid a monthly maintenance fee and a per check charge. If your minimum daily balance falls below $500.00 during a statement cycle, an $8.00 maintenance fee and $0.20 per debit item fee (after the first 20 items) will be assessed.

First Budget Checking

A checking account for those who do not write many checks and maintain balances of less than $500.00. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions to this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: There is a $2.50 monthly maintenance fee plus a $0.50 per debit item charge (after the first 5 debit items) regardless of the balance.

Senior Citizens Checking

If you are age 62 or better, enjoy a Senior Citizens Checking Account at First National Bank with no monthly maintenance fee regardless of the balance. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: No monthly maintenance fees for customers age 62 or better regardless of the balance.

First Prestige Club Regular Checking

First Prestige Club is for Very Special People. If you are age 55 or better, you are eligible for a bank package to save you dollars and activities you will enjoy. You may join by one of the following methods: $1,500.00 minimum balance in a regular savings account, a NOW checking account, Certificates of Deposit or IRAs or $2,500.00 minimum balance in our First Insured Money Market Account or Prestige Plus Savings Account. The benefits you receive are: unlimited check writing privileges, wallet style First Prestige Club checks or $8.00 credit for the Choice Package, no fees for money orders, cashier’s checks and $5.00 credit on any size of safe deposit box rental, notary service. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: Maintain a $1,500.00 daily balance in an interest bearing checking account, Certificate of Deposits or IRA or $2,500.00 minimum daily balance in our First Insured Money Market Account or Prestige Plus Savings Account, and no monthly maintenance fee will be assessed. If you do not maintain a $1,500.00 daily balance in an interest bearing account at First National Bank, your account will be considered a Regular Checksmart Account and all fees will be applicable.

1st Century Checking Account—Basic

With the 1st Century Basic Checking Account, you will receive a package of services for one low monthly fee and you have no balance requirements. The package of services include: unlimited check writing privileges, wallet style checks or $8.00 credit for the Choice Package, no fees for money orders, cashier’s checks, and $25.00 per year safe deposit box, notary service, and accidental-death insurance. The account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: The monthly maintenance fee for the 1st Century Basic Checking Account is $10.50 regardless of the balance.

1st Century Checking Account—Family

With the 1st Century Family Checking Account, you will receive a package of services for one low monthly fee and you have no balance requirements. The package of services include: unlimited check writing privileges, wallet style checks or $8.00 credit for the Choice Package, no fees for money orders, cashier’s checks, and $25.00 per year safe deposit box, notary service, and accidental-death insurance. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: The monthly maintenance fee for the 1st Century Family Checking Account is $12.50 regardless of the balance.

Business Checking

Let First National Bank help you with your Business Checking account. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: There is a $5.50 monthly maintenance fee, plus $0.20 per debit, and $0.10 per foreign item (an item not drawn on our bank.) A $0.35 credit per $100.00 minimum balance is provided to offset the service charges up to the amount of service charges assessed for that period.

Organization Checking Account

Open your Organizational Checking Account at First National Bank. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: There is a $2.50 monthly maintenance fee plus a $0.50 per debit item charge (after the first 5 debit items) regardless of the balance.

First NOW Checking Account

For those who maintain a slightly higher minimum balance, the NOW account gives you the interest of passbook savings and the convenience of checking in one account. For-profit corporations, partnerships, or associations are not eligible for this account. This account comes with an imaged statement.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: Maintain a $1,000.00 minimum daily balance in a NOW Account and avoid a monthly maintenance fee and per check charge. If your daily balance falls below $1,000.00 during a statement cycle, a $10.50 maintenance fee and $0.25 per check fee (after first 20 checks) will be assessed.

First Insured Money Market Checking

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: $10.50 service charge if minimum daily balance falls below $2,500.00. $2.50 per withdrawal fee in excess of six per month. The following fee applies to this account: Printed Check Charges: Prices may vary. This account comes with an imaged statement.

Regular Savings

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. No minimum balance required to obtain the annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Maintain daily balance of $1,000.00 and above—no maintenance fee or withdrawal fee; $100.00-$999.99—no maintenance fee, but a $1.00 per withdrawal fee (after the first 2 withdrawals each month); daily balance below $100.00—the maintenance fee is $3.50 per month plus $1.00 per withdrawal (after the first 2 withdrawals each month).

Children’s Savings (Bitty Bees Savers Club)

A savings account for children under the age of 13 years old.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. Bitty Bee Bucks are given for every dollar deposited into the account. The minimum denomination of Bitty Bee Bucks is $5.00. Bitty Bee Bucks can be spent on items in Buzzy Bee’s Bee Hive. Maximum purchase of $500 in Bitty Bee Bucks in any one day.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. No minimum balance required to obtain the annual percentage yield.

Limitations: You may make six (6) transfers from your account each four (4) weeks or similar period, including preauthorized or automatic transfer, transfer initiated through online banking or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Children under age 13, no minimum balance required and no maintenance fee will be assessed. Account will convert to Regular Savings account at age 13 with all applicable fees.

Christmas Club Savings

A Christmas Club Account provides a way to save for Christmas. You are issued a check in November for the balance in your Club Account just in time for Christmas shopping.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. No minimum balance required to obtain the annual percentage yield.

Limitations: You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking or telephone (including data transmission) agreement, order or instruction. These transfers may be made by check or draft made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: No minimum balance required and no maintenance fee.

Prestige Plus Savings

A variable rate savings account for our First Prestige Club members.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend on the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check or draft made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: No maintenance fees as long as the daily balance is $2,500.00 or more. If the daily balance falls below $2,500.00 a monthly service charge of $10.50 will be assessed.

Certificate Of Deposit Disclosures

Time Deposits—General Information

Exceptions: We may let you withdraw money from your account before the maturity date without an early withdrawal penalty: (1) when one or more of you dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; (2) when the account is an Individual Retirement Account (IRA) and the money is paid within seven (7) days after the account is opened; or (3) when the account is a Keogh Plan (Keogh), if you forfeit at least the interest earned on the withdrawn funds; or (4) if the account is an IRA or Keogh Plan, when you reach age 59½ or become disabled; or (5) within an applicable grace period (if any).

Right of Setoff: Subject to applicable law, we may exercise our right of setoff or security interest against any and all of your accounts (except IRA, Keogh Plan and Trust Accounts) without notice, for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys’ fees, or other obligations. If the account is a joint or multiple-party account, each joint or multiple-party account holder authorizes us to exercise our right of setoff against any and all accounts of each account holder.

Other Account Rules: The following rules also apply to the account.

Surrender of Instrument: We may require you to endorse and surrender the Time Deposit Agreement to us when you withdraw funds, transfer or close your account. If you lose the Agreement, you agree to sign any affidavit of lost instrument, or other agreement we may require, and agree to hold us harmless from liability prior to our honoring your withdrawal or request.

Death of Account Holder: Each account holder agrees to notify us immediately upon the death of any other account holder. You agree that we may hold the funds in your account until we have received all required documentation and instructions.

Indemnity: If you ask us to follow instructions that we believe might expose us to any claim, liability or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us.

Pledge: You agree not to pledge your account without our prior consent. You may not withdraw funds from your account until all obligations secured by your account are satisfied.

180 Day Fixed Educational FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 180 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded at maturity and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. On this fixed rate FDIA, $10.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 180 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

31 Day Fixed CD

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 31 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded at maturity and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 31 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of the amount of interest earned. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

90 Day Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 90 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded at maturity and will be credited at maturity. We will mail the interest check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 90 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

180 Day Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 180 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 180 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

9 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 9 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 9 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will renew automatically at maturity. You will have ten (10) days after the maturity date to withdraw funds without penalty.

12 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

15 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 15 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 15 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

18 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 18 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

24 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

30 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 30 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 30 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

36 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

60 Month Fixed CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

18 Month V/O IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. We may change the interest rate on the account every six months after date of origination. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest rate on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Additional deposits may be added at any time with no minimum deposit amount. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. We will use the rate in effect on the date of withdrawal. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

24 Month Fixed IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Additional deposits may be added at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

36 Month Fixed IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Additional deposits may be added at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

60 Month Fixed IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Additional deposits may be added at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

Roth 18 Month V/O IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. We may change the interest rate on the account every six months after date of origination. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited to the account monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest rate on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Additional deposits may be added at any time with no minimum deposit amount. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. We will use the rate in effect on the date of withdrawal. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

Roth 24 Month Fixed IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Additional deposits may be added at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

Roth 36 Month Fixed IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Additional deposits may be added at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

Roth 60 Month Fixed IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Additional deposits may be added at any time. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

Health Savings Account 12 Month Fixed

This account is for individuals to save for qualified medical expenses if you have a qualified high deductible health plan (HDHP).

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Additional deposits may be added at any time. You may make one (1) withdrawal per calendar month from your account.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 12 months. This account will automatically renew.

Other Account Fees
ATM Transaction Fees (applies to all accounts)
First National Bank ATMs No charge
STAR® Locations $1.00
PLUS® Locations $2.50
ATM Card Replacement $10.00
Balance Checkbook (per-hour charge—1 hour minimum) $25.00
Cashier’s Checks (customer) $5.00
Check Cashing Fee (non-customers—minimum $5.00 charge) 1½%
Check Printing Fee Prices Will Vary
Coin/Deposit Bags (no charge for 1st vinyl bag)
Vinyl (per-bag charge for each additional bag) $5.00
Small Zip Bag $25.00
Large Zip Bag $35.00
Collections $25.00
Deposited Item Returned $3.00
Dormant Account (no customer-initiated activity, either deposits or withdrawals) $15.00
Checking Accounts (fee assessed after 1 year of dormancy)  
SAV and CD Accounts (fee assessed after 3 years of dormancy)  
Facsimile (for numbers within continental U.S.)
Incoming: first page $5.00
Each page thereafter $2.00
Outgoing: first page $10.00
Each page thereafter $2.00
Garnishment $25.00
Instant Statement $4.00
Item Representment $3.00
IRD (Image Replacement Document) $5.50
Medallion Signature Guarantee $25.00
Money Orders $4.00
Money $ Mart Money Orders ($1,000 maximum amount) $0.99
New Account Closing Fee (within 90 days of opening) $25.00
Night Deposit Key $3.00
Notary (non-customer) $10.00
Overdraft Charge (per item) $30.00
Photocopies (per copy) $1.00
Research on Account (per hour) $30.00
Per-item charge (in addition to $30.00 minimum) $1.00
Research prior to 2004 (per item) $5.00
Return Check Charge (per item) $30.00
Safe Deposit Box (per year—includes 2 keys)  
3"×10" (available at Liberal Main Bank only) $25.00
5"×10" $35.00
10"×10" $60.00
Safe Deposit Box Additional Key (per key) $15.00
Drilling Fee (due to loss of keys) $180.00
Stop Payment Charge $30.00
Tax Levy $25.00
Telephone Transfers  
In Bank $2.00
Out of Bank $10.00
Wire Transfer Fees  
Outgoing  
In United States $30.00
International $40.00

It is our policy to comply with applicable laws, rules and regulations, and to conduct business in accordance with strict safety and soundness standards. An overdraft may result from the following:

  1. The payment of checks, electronic funds transfers, ATM withdrawals or other withdrawal requests you initiate
  2. Payments authorized by you
  3. The return, unpaid, of items deposited by you
  4. Charging your account for our applicable service charges and fees
  5. The deposit of items to your account which, according to our Funds Availability Policy, are treated as not yet “available” or “finally paid”.

 

You are not allowed to withdraw funds in excess of your available deposit balance at an Automatic Teller Machine (ATM) or by means of a one-time debit card transaction (also known as a POS transaction) even if you have an Overdraft Protection (ODP) Product attached to your account. Customers who have a First Guaranteed Line of Credit (FGR) will still be able to access the line of credit.

Online Banking Fees/Bill Pay Fees

No monthly maintenance fee for Online Banking and Bill Pay services, but an FNB Checking Account is required and the checking account may have a monthly maintenance fee.


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