First National Bank's Business Checking is the perfect option for your commercial checking account needs. Your money actually works for you while it is in the bank by earning a competitive earnings allowance based on your average daily positive collected balances which allows you to offset checking fees based on your account balance.

COMMERCIAL - Checking

You may open a Commercial Checking account with a beginning deposit of $100.00.

FEES: A monthly maintenance fee of $5.00 will be charged each statement cycle.

The following fees apply to this account:

ACTIVITY FEE: $.10 will be charged for each debit transaction
(withdrawal, check paid, automatic transfer, or payment out of this account)

COLLECTED BALANCE CREDIT: A credit of $.02 per $100.00 may be charged

FLOAT ITEM FEE: $.04 per item may be charged.

COMMERCIAL - Money Market Account

The Money Market Account is an interest bearing account and requires an opening deposit of $2,500.00 or more.

MINIMUM BALANCE REQUIREMENT: You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may 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.

The following fees apply to this account:

FEES: A monthly maintenance fee of $6.00 will be billed in the event the average daily balance falls below $2,500.00. during a given statement cycle.

Internet Banking

Online banking is an avenue through which First National Bank is able to provide the most convenient and technologically advanced financial services to our customers. The features include 24-hour access to account information, in-bank transfers, and electronic bill payment through the FundsXpress Financial Network system. Internet Banking with First National Bank offers the following: Account Inquiries, In-Bank Transfers, Electronic Bill Payment Service, Detailed Transaction Histories, Account Statements, Download Account Information into software applications such as Microsoft Money, Excel, Quicken and Lotus 1-2-3.Commercial customers benefit as well with cash management tools designed to streamline many of the tasks required to manage your business. Businesses receive all of the benefits of basic Internet banking, plus the following: ACH Origination, Payroll Direct Deposit, Electronic Federal Tax Payment System, Wire Transfers