Checking & Savings
First National Bank's checking accounts are tailored to meet your demanding needs in today's hectic world. With access to accounts by ATM, Point of Sale (POS terminal), Phonelink, or online @ http://www.fnb-mcgregor.com you will have on demand access to your funds at your fingertips.
Download a PDF of our
Life's Advantage Checking by clicking here.
• LIFE'S ADVANTAGE CHECKING
A deposit of only $50.00 is necessary to open the Life's Advantage
Checking account.
You will receive all the personally imprinted checks you need at no additional cost. Your special member checks will be printed with your name and address. No minimum balance is required and you receive Travelers checks and Cashier's Checks at no charge.
Your monthly membership fee also includes $100,000 Common Carrier
and $10,000 Accidental Death insurance*. Your first year's
rental fee on a personal-size safe deposit box is free (new
rentals only) as well as two free stop payment coupons and two free
domestic wire transfer coupons.
MINIMUM BALANCE REQUIREMENTS: No minimum
balance required. If your average collected daily balance is over $1,000.00,
you will earn interest on your account.
FEES: The monthly service charge is $6.00 each statement cycle.
*This product is not a deposit, not FDIC-Insured, not insured by
any Federal Government agency, and not guaranteed by the bank.
• LIFE'S ADVANTAGE CHECKING 50 PLUS
The Life's Advantage Checking 50 Plus account is available to those
who are 50 years or better with a minimum opening deposit of $50.00.
You will receive all of the personally imprinted checks you need at no cost to you. Your special member checks will be printed with your name and address. No minimum balance is required and you will receive Travelers checks and Cashier's Checks at no charge.
Your monthly membership fee also includes $100,000 Common Carrier
and $10,000 Accidental Death insurance*. Your first year's
rental fee on a personal-size safe deposit box is free (new
rentals only) as well as two free stop payment coupons and two free
domestic wire transfer coupons.
MINIMUM BALANCE REQUIREMENTS: No minimum
balance required. This account is restricted to those who are 50
years old and over and is interest bearing so long as your average
collected daily balance is over $1,000.00.
FEES: A monthly maintenance fee of $5.00 will be charged each statement cycle.
*This product is not a deposit, not FDIC-Insured, not insured by
any Federal Government agency, and not guaranteed by the bank.
• ACTIVE LIFE CHECKING ACCOUNT
The Active Life Checking Account requires a minimum opening deposit
of $50.00. No minimum balance requirements. No per check charges.
Overdraft Protection Available ($100 w/o direct deposit; $200 w/direct
deposit including a $30 fee per item). Free Internet Banking
with Bill Pay. Free Debit Card. Unlimited ATM transaction (free/no
surcharges at FNB McGregor/South Bosque ATM's). Non-Interest Bearing.
FEES: There are no fees associated with
this account.
Bonuses: Charter member: Free checks for
life (1 box free/quarterly - 150 ct.)
• STUDENT LIFE CHECKING ACCOUNT
A minimum deposit of $50.00 is required to open a Student Life Checking
account. It is exclusively available to those who are 25 years of
age or younger (Minimum 12 years or older.) No minimum balance
requirements. No per check charges. Will be assigned a banking officer
designated as a personal Money Manager. Free Internet Banking with
Bill Pay. Free Debit Card. Unlimited
ATM transaction (free/no surcharges at FNB McGregor/South Bosque
ATM's). Interest Bearing on any balance (flat interest rate - no
tiered balance/rates).
FEES: There are no fees associated with
this account.
Bonuses: Charter member: Free checks for
life (1 box free/quarterly - 50 ct.)
• PRIME LIFE CHECKING ACCOUNT
The Prime Life Checking account may be opened with an initial deposit
of $50.00 or more and is reserved for those who are 55 years of
age or over. No minimum balance requirements.
No per check charges. Overdraft Protection Available ($100 w/o
direct deposit; $200 w/direct deposit including a $30 fee per item).
Free Internet Banking with Bill Pay. Free Debit Card. Unlimited
ATM transaction (free/no surcharges at FNB McGregor/South Bosque
ATM's). Non-Interest Bearing. Personal Size Safe Deposit Box (free
rental fee for one year) "Subject to Availability."
FEES: There are no fees associated with
this account.
Bonuses: Charter member: Free checks for
life (1 box free/quarterly - 150 ct.)
• COMMERCIAL CHECKING
You may open a Commercial Checking account with a beginning deposit of $100.00.
FEES: Commercial accounts are charged based
on account analysis as follows: A monthly maintenance fee for $5.00
will be charged each statement cycle. $.10 will be charged for each
debit transaction (withdrawal, check paid, automatic transfer or
payment out of this account). $.04 will be charged for each item
deposited. Credit will be given based on the collected balance to
offset charges.
• NOW ACCOUNT
The NOW Account is an interest bearing account which requires a minimum beginning deposit of $1,500.00.
FEES: There will be a monthly maintenance fee of $6.00 each statement cycle in the event your average daily balance falls below $1,500.00 during a statement cycle.
ACTIVITY FEE: $.15 for each debit item in excess of ten (10) if the average collected daily balance falls below $1,500.00.
• INVESTMENT ACCOUNT
This account is an interest bearing account. The interest rate and
annual percentage yield will depend upon the 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 at any time. Interest begins to accrue on the first
business day after you deposit non-cash 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.
MINIMUM BALANCE REQUIREMENT: A minimum
of balance of $1,000.00 Average Collected Daily Balance to obtain
the disclosed annual percentage yield.
LIMITATIONS: You must deposit $1,000.00
to open this account. You may make six (6) transfers or withdrawals
from your account each four (4) week or similar period if made in
person, by messenger, or by mail. No more than three (3) of these
six (6) transfers may be made payable to a third party.
FEES: A monthly maintenance fee of $6.00
will be imposed every statement cycle if the average collected daily
balance falls below $1,000.00 for the cycle. If your average collected
daily balance is over $1,000.00, you will earn interest on your account.
• 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.
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.
Savings Accounts
It is never too late, or too early, to save for the future. A First National Bank savings account can help you meet your savings goals. We offer competitive rates with a low required minimum balance and no monthly service charge (as long as the required minimum balance is maintained).
• STATEMENT SAVINGS
The Statement Savings account is an interest bearing account and may be opened with a beginning deposit of $100.00.
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.
FEES: There will be a monthly maintenance fee of $1.00 each statement cycle if the average
collected daily balance in the account falls below $100.00. during a given cycle.
Activity Fee: $1.00 will be charged for each debit in excess of one (1) during a month.
No minimum opening deposit requirement. Must be 17 years of age
or younger. No minimum balance requirements. No Monthly service charge.
Will be assigned a banking officer designated as a personal Money
Manager. Free Internet Banking. No debit or ATM transactions. Limited
to 6 withdrawals per quarter. Interest Bearing on any balance (variable
rate of interest, compounded daily, and paid quarterly). Special
fun Kid days and gifts, rewards and prizes.
FEES: There are no fees associated with
this account.
Bonuses: Charter member: Free Kid's
Life T-Shirt.
The Look To The Future Savings account is an interest bearing account which may be opened with as little as $25.00. This account is reserved exclusively for those who are 25 years of age or less and enrolled as a full-time student.
FEES: No minimum balance is required to avoid a service charge.
You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, 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.
