Enjoy a checking plan with this comprehensive package. Services include:
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 or call First Line Express for current interest rates for your MAX account.
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.
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
Personal Plus Checking
- Daily balance of $ 500.00 or more
- Earn a competitive interest rate on the entire account balance
- 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 interest rates for your personal plus account
NOW Account - Your NOW Account will earn interest on your balance accrued daily and compounded monthly. A minimum balance of $1,250 is required to earn interest on this account. If the daily balance falls below $1,000 during a statement cycle, your account will be assessed a fee. Please check the rates tab on the home page or call First Line Express for current interest rates for your NOW Account. Rates are subject to change weekly. A $1,250 deposit is needed to open this account.
- Free Express Check debit card
- Free First Line Express
- Free internet banking
- Free on line billpay
- Unlimited check writing
- Free statement binders
- No per item check charge
- Cancelled check images included in monthly statement and through internet banking
Choice 55
Customers age 55 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 choice 55
account
Super NOW Account - The Super NOW Account pays an even higher rate of interest, subject to change weekly. A minimum balance of $10,000 is required to earn interest on this account. This account follows a tiered structure.
$10,000 - $49,999.99 Regular Yield rate $50,000 - $99,999.99 High Yield rate $100,000 – Over Super Yield rate If the daily balance falls below $7,500 during a statement cycle, your account will be assessed a fee. This account allows you unlimited check writing with no activity fee. A $15,000 deposit is needed to open this account. Please check the rate tab on the home page or call First Line Express for current interest rates for your Super NOW 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 monthly statement cycle, your account will earn the Regular NOW Account rate. If the daily balance falls below $1,000 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. 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
Commercial Checking
- We offer commercial checking accounts for local businesses. This checking
account is without complicated account analysis fees. With a daily balance of
$500 or more, there is no charge for checking regardless of the number of
checks you write. With a daily balance of less than $ 500, you pay a monthly
statement cycle fee. It's that simple! There is no monthly statement cycle
fee regardless of balance for two checks or less per monthly statement
cycle. A $50 deposit is needed to open this account. Please ask one of our
commercial account representatives for details. Our commercial checking
accounts are highly competitive.
Commercial NOW Account
- Available to eligible businesses, commercial now accounts earn interest
that is accrued daily and compounded monthly. A minimum balance of $1500 is
required to earn interest on this account. If the daily balance falls below
$1,000 during a statement cycle, your account will be assessed a fee. Please
check the rates tab on the home page or First Line Express for current
interest rates for your commercial now account. A $1500 deposit is needed to
open this account..
1st Premier Money Market/First Fund Money Market
- Commercial- We offer 1st Premier Money Market and First Fund Money Market
accounts for local businesses that are subject to the same monthly statement
cycle fee as our personal 1st Premier and First Fund Money Market
accounts. Please ask our account representative for details.
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 $3 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 $3 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
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 monthly statement
cycle, your account will earn the Regular NOW Account rate. If the daily
balance falls below $1,000 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.
1st Premier Money Market
- This investment account earns interest at the prevailing rate, subject to
change weekly. 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.
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.
