Checking Accounts
You can get a checking account anywhere. But
at First National Bank, you've got a choice of
accounts that can help you meet a variety of your
financial needs
First Reward Checking
Would you like to have a checking
account that earns interest like a CD? You can
with our NEW First Reward Checking
account. The interest rate is only one of the
benefits. Call us for additional details.
First Free Checking
This is a FREE
checking account with a low $25.00 minimum
opening deposit. There are no minimum
balance requirements and has unlimited check
writing/debit card usage. This is a
"statement only" or "e-mail statement" account.
Other services are available.
Personal Checking
A checking account
that allows you to maintain a low minimum balance
and offers you unlimited check writing privileges. This account offers a low $25.00
minimum opening deposit and NO SERVICE FEE if
the account maintains either a $300.00 minimum daily
balance, or $1,000.00 balance in a related
investment account (Savings, C/D, Money Markets or
IRA account).
Preferred Checking
This is an
interest-bearing account with a low $25.00
minimum opening deposit. There is NO SERVICE FEE
if the account maintains $1,000.00 minimum daily
balance or $5,000.00 in a related investment
account (Savings, C/D, Money Market or IRA account).
Interest is compounded
monthly.
Click
here to see
current interest rate.
Click
here for financial calculators.
Preferred Plus Checking
This account allows First National Bank customers
to earn a consistent high yield of interest with
all the benefits of a checking account.
The interest rate
is equal to the 90 day U.S. Treasury Bill rate as
determined by the average of the last four
auctions of the previous month for daily balances.
The index rate is tiered for daily balances as
follows:
 | Less than $10,000
|
| $10,000 to $50,000 (T-bill
less 2.00%) |
| $50,000 and over (T-bill less
1.50%) |
Click
here to see
current rates.
Click
here for financial calculators.
Minimum deposit of $10,000 to open
account. If the daily balance falls below
$10,000 one day during a monthly cycle, a
maintenance fee of $25.00 will be assessed and
interest on your account will earn 1.00% for the
days your daily balance is below $10,000. The
interest rate will never drop below 1.00% on this
account.
Other Account Features
Include...
| Interest compounded and
credited monthly |
| Check safekeeping |
| First box of safety
non-duplicate checks free |
| No annual fee for Check-On-Us
debit card |
| First year NO ANNUAL FEE Visa
Card |
| FREE 3X5 Safety Deposit Box for
the first year |
New Horizons Checking
New Horizons is a program that provides adventure
and companionship for persons age 55 and over.
Customers age 55 and over may qualify for NEW
HORIZONS in one of the following four ways:
| Maintain $5,000 minimum daily
balance in a certificate of deposit, IRA, money
market investment account or savings, or |
| Maintain $1,000 minimum daily
balance in New Horizons checking account
(interest bearing or non-interest), or |
| Own a minimum of 100 shares
of First Shares, Inc. stock, or |
| Have a real estate mortgage
loan with First National Bank of at least
$25,000, or |
| Pay a monthly fee of $2.00
($24.00 annually) |
Click
here for detailed
information about our
New Horizons Program and Calendar of Events.
Stop Overdraft Sweep
Account (SOS)
Prevents an overdraft with an automatic transfer
from another First National Bank account.
| Transfer the amount you would
have been overdrawn plus an additional $5.00 to
maintain a balance in your account.
|
| Account will be assessed a
$5.00 fee for each transfer. If sufficient
funds are not maintained in the transfer account
to cover the transfer, the transfer will not take
place and all overdraft fees will apply. |
First Direct Checking
This is a FREE Personal Checking
account for customers using payroll direct deposit with
First National Bank of Platteville.
Benefits...
| FREE Checking with payroll
direct deposit |
| $25.00 opening minimum
balance |
| No maintenance or monthly
fees |
| Statement Only Account |
| Interest will be paid on daily
collected balances of $1,000 or
more...compounded and credited monthly |
| FREE...One box printed checks
at account opening |
| First year no annual fee for
Check-On-Us debit card |
| First year rent FREE on 3X5
safety deposit box |
| Personal Reserve Account with
Bank approval |
| Stop Overdraft Sweep Account |
Check-On-Us
It's a card that works like a
check. Sometimes referred to as a Debit Card, our
check card is versatile. You can use it like an
ATM card at ATM terminals, pay for purchases and
services at VISA merchants, and get cash advances
from financial institutions that accept VISA. The
money you spend is withdrawn from your checking
account and is reflected on your monthly
statement.
How Does Check-on-us work?
It’s easy! The transaction is
handled like a credit card; however, the money you
spend is withdrawn from your checking account and
is reflected on your monthly statement.
What can I do with check-on-us?
Our check card is versatile. You
can use it like an ATM card at ATM terminals, pay
for purchases and services at VISA merchants or
Point-of-Sale merchants, and get cash advances
from financial institutions that accept VISA.
What are other check-on-us
benefits?
| Purchasing power at over nine
million VISA merchants worldwide. |
| Saves time - no
identification hassles at the checkout. |
| Conveniently access your
account 24 hours a day, 365 days a year. |
| Eliminate the worry of
carrying excess cash. |
| Save money on check reorders
and credit card finance charges. |
What
are the fees?
| FREE ATM or
Check-On-Us card (per account) |
| Re-issue ATM or Check-On-Us
card (per card) -- $ 10.00 |
| PIN re-issue (per card) -- $
5.00 |
| Expedite ATM/Check-On-Us Card
- $25.00 |
| Expedite PIN - $25.00 |
For more information, call
us today and learn why Check-on-us makes
“checking out” easier than ever!
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