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First National Bank of Pontotoc provides a variety of checking accounts to match your financial needs and your individual lifestyle. These accounts provide you with detailed records and monthly statements to help you keep up with expenses and income. Checks give you the convenience of paying by mail rather than in person, with your canceled checks serving as legal proof of payment. Please talk with any of our new accounts representatives about your individual checking needs. We'll be glad to help you decide which checking plan is best for you and your family. From basic checking to checking with all the extras, we have an account that's just your style!

 

BASIC CHECKING

The Shield Checking

Enjoy a checking plan with this comprehensive package. Services include:

  • ID Protect- Identity Theft Protection.
  • No minimum balance requirements
  • No per item check charge.
  • Unlimited check writing.
  • First order checks free (wallet or duplicate)
  • Free express check debit card.
  • Free first line express.
  • Free internet banking.
  • Free on-line bill payment.
  • Free statement binders.
  • Cancelled check images included in monthly statement and through internet banking.
  • A $50.00 deposit is needed to open this account
  • A monthly service charge applies

 

Student Checking

  • No minimum balance requirements
  • No per item check charge.
  • Unlimited check writing.
  • First order checks free (wallet or duplicate)
  • Free express check debit card.
  • Free first line express.
  • Free internet banking.
  • Free on-line bill payment.
  • Free statement binders.
  • Cancelled check images included in monthly statement and through internet banking.
  • A $50.00 deposit is needed to open this account
  • No monthly service charge

BENEFITS BANKING

The MAX Checking

 

Watch your Savings blossom with 3 Free and Easy qualifications.The Max Checking pays our highest rate of interest and is free each month when you simply use these 3 features.

  • Make 10 Debit Card Transactions per qualification cycle
  • Set up 1 Direct Deposit or ACH Auto Debit from your account
  • Enroll & Receive your monthly statement electronically


    • No minimum balance
    • No monthly maintenance fee
    • No per check charge
    • Unlimited check writing.
    • Free express check debit card.
    • Free first line express.
    • Free internet banking.
    • Free on-line bill payment.
    • Free statement binders.
    • Cancelled check images included in monthly statement through internet banking.
    • A $50.00 deposit is needed to open this account
    • Please check the rates tab on the home page.

     

    Elite Club Checking - Enjoy a basic checking plan with added extras and insurance benefits with this comprehensive package. A monthly insurance fee will be charged on this account. A $50.00 deposit is needed to open this account.

     

    Services include:

    • No charge for personalized wallet-style or duplicate checks
    • No minimum balance requirements
    • No fee for Official checks
    • Free online bill pay
    • Notary service at no charge
    • Free express check debit card
    • Free First Line express
    • Free Internet banking
    • Cancelled check images included in monthly statement and through internet banking
    Additional Benefits
    • $5,000 Accidental Death & Dismemberment Insurance
    • $20,000 Common Carrier Coverage
    • $5,000 Identity Fraud Expense Reimbursement Coverage
    • Credit Card Registration
    • Key Tag Return
    • Entertainment- SaversGuide
    • Rental Car Discounts
    • Cash Back Member Rewards
    • Emergency Medical ID
    • Prescription Drug Plan
    • EyeCare and EyeWear

     

    1st Plus Checking

    • Monthly service charge if your daily balance falls below  $500.00 any day of the monthly statement cycle.
    • Free express check debit card
    • Free first line express
    • Free internet banking
    • Free on line bill payments
    • No per item check charge
    • Free statement binders
    • Unlimited check writing
    • Cancelled check images included in monthly statement and through internet banking
    • This account requires a minimum balance of $500.00 to earn interest
    • There is no monthly statement cycle fee regardless of balance for two or less debits from your account per monthly statement cycle
    • A $50.00 deposit is needed to open this account.  Please check the rates tab on the home page or call First Line Express for current rates for your 1st Plus Checking account.

     

     

    First Choice 62

    Customers age 62 and older will welcome this interest bearing checking account.  This account requires a minimum balance of $1,000 to earn interest. 

     

    • First order of personalized, wallet or duplicate style checks at no charge.
    • No monthly statement cycle fee
    • Notary service at no charge
    • No Fee for Official Checks
    • Free express check debit card
    • Free first line express
    • Free internet banking
    • Free on -line bill payment
    • No per item check charge
    • Unlimited check writing
    • Cancelled check images included in monthly statement and through internet banking
    • A $50.00 deposit is needed to open this account

    Please check the rates tab on the home page or call First Line Express for current interest rates for your First Choice 62 account.

     

     

    Money Market/First Fund Account - This investment account earns interest at the prevailing rate, subject to change weekly. Interest will be accrued daily and compounded monthly. If the daily balance falls below $2,500 during a statement cycle, your account will be assessed a fee. A maximum of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transaction, computer transfer, or by check, draft, debit card, or similar debits to this account are allowed per statement cycle. A charge of $5 will be imposed for each subsequent debit. This account allows unlimited in-house withdrawals. Please check the rates tab on the home page or call First Line Express for current interest rates for your Money Market/First Fund Account.

     

    • Free Express Check debit card
    • Free First Line Express
    • Free internet banking
    • Free on line billpay
    • Free statement binders
    • No per item check charge
    • Cancelled check images included in monthly statement and through internet banking

     

     

    1st Premier Money Market - This investment account earns interest at the prevailing rate, subject to change weekly. A $10,000 deposit is required to open this account. Interest will be accrued daily and compounded monthly. This account follows a tiered structure.
    $10,000 - $49,999.99 Regular Premier rate $50,000 - $99,999.99 High Premier rate
    $100,000 – Over Super Premier rate
    If the daily balance falls below $10,000 during a monthly statement cycle, no interest will be earned that day. If the daily balance falls below $5,000 during a monthly statement cycle, your account will be assessed a fee. A maximum of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transaction, computer transfer, or by check, draft, debit card, or similar debits to this account are allowed per statement cycle. A charge of $10 will be imposed for each subsequent debit. This account allows unlimited in-house withdrawals. Please check the rates tab on the home page or call First Line Express for current interest rates for your 1st Premier Money Market account.

     

    Elite Plus - We now offer an Elite Plus package that can be added to your Checking account for low monthly Elite Plus Package fee.

    This package includes the following: 

     

    •  $5,000 Accidental Death and Dismemberment Insurance
    •  $20,000 Common Carrier Coverage
    •  $5,000 Identity Fraud Expense Reimbursement Coverage
    •  Credit Card Registration
    •  Key Tag
    •  Entertainment SaversGuide
    •  Rental Car Discounts
    •  Cash BAck Member Rewards
    •  Emergency Medical ID
    •  Prescription Drug Plan
    •  EyeCare ad EyeWear

    COMMERCIAL CHECKING

    Please call a New Account representative for details on our commerical accounts.

     

    SAVINGS PRODUCTS

     

    At First National Bank of Pontotoc, we understand the importance of savings plans to help our customers reach their personal financial goals or have cash reserves for unexpected emergencies.  Therefore, we offer a variety of services to assist you in having the money that you need when you need it.  The following savings plans have been designed to help secure your financial future.  Stop by today and talk with any of our customer service representatives.  We are ready to discuss your individual goals and the best way to achieve them.  All depository relationships are, of course, insured up to the applicable limits of the Federal Deposit Insurance Corporation (FDIC).

     

    Regular Savings Account With an initial minimum deposit of just $100.00, this account pays the current variable market rate of interest, which is accrued daily and compounded quarterly. A maximum of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transaction, computer transfer, or by draft, debit card, or similar debits to this account are allowed per statement cycle. A charge of $5 will imposed for each subsequent debit. This account requires a balance of $100.00 to earn interest. Please check the rates tab on the home page or call First Line Express for current interest rates for your Regular Savings Account.

     

    Kid's Club Account - This savings account is designed for children and young adults under the age of 18 and must be jointly owned by the child and an adult. No minimum deposit is required to open this account. This account requires a balance of $25 to earn interest. A maximum of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transaction, computer transfer, or by draft, debit card, or similar debits to this account are allowed per statement cycle. A charge of $5 fee will be imposed for each subsequent debit. Please call First Line Express or check the rate tab on the home page for current interest rates.

     

    Christmas Club Account - A First National Bank Christmas Club Account is an ideal way to save for Christmas shopping. Funds deposited to this account will mature on October 15th. We will send you a check for the amount you deposited, plus interest- just in time for holiday shopping. This plan allows you to deposit any amount at any time during the year. Interest will be compounded and credited to your account at maturity. Any withdrawal before maturity will result in a $15 withdrawal fee per withdrawal. Interest will not be forfeited. A $ 25 deposit is needed to open this account. Please call First Line Express or check the rates tab on the home page for current interest rates

     

    CERTIFICATE OF DEPOSIT

    Certificates of Deposit - First National Bank can structure a Certificate of Deposit from 30 days to 60 months to fit your individual needs. We offer competitive fixed-rate certificates from the date of deposit to maturity. Minimum deposits for these accounts are $1,000. For your convenience, certificates may be renewed automatically. Federal regulations require penalty for early withdrawal.

    INDIVIDUAL RETIREMENT ACCOUNTS

    Individual Retirement Account An IRA is a special savings plan that lets you put aside money you earn today to be used later for your retirement. Depending on your income, your income tax liability on those funds may be deferred. Contribution amounts may vary due to age and marital status. You may contribute to an IRA plan even if you participate in a retirement plan at work. Interest earnings are not taxed until withdrawal (penalty for early withdrawal). We offer competitive fixed rate and variable rate accounts. Call us for all the details or for assistance in having an existing IRA rolled over to a First National Bank IRA. A minimum balance of $50 is needed for a variable rate IRA. A minimum balance of $1,000 is needed for a fixed rate IRA.

    Discover the benefits of a Roth IRA.
    • Tax Savings
    • Tax Free Earnings
    • Retirement Security
    A minimum balance of $1,000.00 is needed to open a fixed rate Roth IRA. Stop by and allow our CD/IRA personnel to work with you on your financial needs.


© First National Bank
2004