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Disclosures

Online Banking and Bill Pay

I acknowledge, having received notice of First National Bank’s terms and provisions of the Online Banking Privacy Standards and acknowledge any use of same is restricted to persons authorized by the Bank. I also agree not to share the user identification number and password assigned to me with a third party and no third party shall be authorized to conduct online banking for me and I agree to protect and hold the Bank harmless from any and all such transactions, unless such transaction occurs as a direct result of the Bank’s negligence or willful misconduct. It is my duty to protect any user identification number and/or password assigned to them by the Bank with the same degree of care required of all other financial account access codes issued to me by the Bank.

Funds Availability Policy Disclosure

Your ability to withdraw funds at First National Bank. Our general policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit, however, funds from International ACH Transactions (IAT) could be delayed until the required review or verification process has been completed. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then the funds will generally be available by the second business day after the day of deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 5:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However if you make a deposit after 5:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Other Account Fees

OTHER ACCOUNT FEES

Insufficient Funds (NSF) Checks : $30.00 per check
Insufficient Funds (NSF) Savings Withdrawal(s) : $30.00 per withdrawal
Sweep Account Transfer : $5.00 per day
Stop Payments : $30.00 per item
Account Research : $25.00 per hour plus $2.00 per copy
Copy of Statement with Images :
Copy of Statement without Images :
$5.00
$2.00
When a written authorization to verify either a depository account or loan account is given to a third party by the Bank’s Customer, a charge for this service of $15.00 will be assessed to the requesting party or to the Bank’s customer.
Return Item Charge : $5.00 per item
Wire Transfers  
     Domestic - Incoming $12.00
     Domestic - Outgoing $15.00
     International - Incoming $25.00
     International - Outgoing $70.00
Return Item Fee $5.00
Telephone Transfer $2.00
Account Levy $100.00
Cashiers Check - Customer $5.00
Cashiers Check - Non-Customer $10.00
Money Order - Customer $5.00
Money Order - Non-Customer $10.00


Other Services

  • ATM Card or VISA® Check Card available
  • Online statement
  • Online bill payment service
  • Online statement