Deposit Products
Checking
Savings
Certificate of Deposit
Individual Retirement Accounts
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
First Choice Free Checking
Enjoy a totally free checking plan with this comprehensive package. Services include:
- No monthly service charge regardless of your balance.
- No minimum balance requirements
- No per item check charge.
- No stop payment fees.
- 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
BENEFITS BANKING
The MAX Checking -
www.themaxchecking.com
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 month
- 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
- No stop payment fees.
- 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
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
- No stop payment fees
- 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 of just $8.00 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 stop payment fees
- No per item check charge
- Free statement binders
- Unlimited check writing
- Cancelled check images included in monthly statement and through internet banking
- There is no monthly statement cycle fee regardless of balance for two checks or less 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 an $8 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
- No stop payment fees
- 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 stop payment fees
- 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 $1000.00 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 $10 fee. This account allows you unlimited check writing with no activity fee.
A $15,000 deposit is needed to open this 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 an $8 fee. This account allows unlimited in-house withdrawals. A maximum of six service-
chargeable debits per month are allowed. All other service-chargeable
debits exceeding these six will be assessed a $5 per item charge. Penalties may be assessed if these limits are exceeded. 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. A $2,500 deposit is needed to open this account.
- Free Express Check debit card
- Free First Line Express
- Free internet banking
- Free on line billpay
- No stop payment fees
- 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 $10 fee.
This account allows unlimited in-house withdrawals. A maximum of six service-chargeable debits per month are allowed. All other service-chargeable debits exceeding these six will be
assessed a $10 per item charge. Penalties may be assessed if these limits are exceeded. 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. A $10,000
deposit is needed to open this account.
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 of just $8. 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 minimun 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 an
$8 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 regular 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. Up to six withdrawals can be made per quarter at no charge. A $3 fee will be assessed for each withdrawal in
excess of six per quarter. Only six preauthorized transfers are allowed per quarter or statement cycle. Penalties may be
assessed if these limits are exceeded. This account requires a balance of $100.00 to earn interest. Please 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. Up to six withdrawals can be made per quarter at no charge. A $3 fee
will be assessed for each withdrawal in excess of six per quarter or statement cycle. Penalties may be assessed if these
limits are exceeded. Please call First Line Express or check the rate tab on the home page for current interest rates.
Christmas club account - A Frst 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 annually. 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.
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 an $8 fee. Only six (6) withdrawals or transfers are allowed per statement
period (monthly ). Unlimited number of withdrawals inside the
bank using our First Fund withdrawal forms are permitted, however a charge for check/service charge of $5.00 per
transaction will be imposed after six (6) transactions. Please call First Line Express for current interest rates for
your Money Market/ First Fund Account. A $2,500 deposit is needed to open this 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 $10 fee.
This account allows unlimited in-house withdrawals. A maximum of six service-chargeable debits per month are allowed. All other service-chargeable debits exceeding these six will be
assessed a $10 per item charge. Penalties may be assessed if these limits are exceeded. 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. A $10,000
deposit is needed to open this 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.
