PERSONAL CHECKING
Checking choices:
Select the account that’s right for you
|
Premier Checking |
Classic Checking |
Free Checking |
What kind of account would you like? |
A valuable package of financial services—plus interest |
Full service checking—with extras |
Perfect for everyday banking, for students, or as a convenient second account |
Minimum to open |
$25 |
$25 |
$25 |
Interest—see us for current rates |
Yes |
No |
No |
Enjoy these custom benefits |
- Interest paid on all balances
- Free online banking
- Free online bill pay, with unlimited items
- Free Visa® debit card or ATM card
- Free check images returned with monthly statement
- Free first order of 50 personalized, bank-stock checks
- Discount on annual safe deposit box rental fee
- Free traveler’s checks
- Two (2) free cashier’s checks per month
- Free TellerPhone services
- Free ATM withdrawals at all of our ATMs
- $400 discretionary overdraft allowance1
|
- Free online banking
- Free online bill pay, with unlimited items
- Free Visa® debit card or ATM card
- Free check images returned with monthly statement
- Free traveler’s checks
- Two(2) free money orders per month
- Free TellerPhone services
- Free ATM withdrawals at all of our ATMs
- $300 discretionary overdraft allowance1
|
- Free online banking
- Free online bill pay, with unlimited items
- Free Visa® debit card or ATM card
- Free TellerPhone services
- Free ATM withdrawals at all of our ATMs
- $150 discretionary overdraft allowance1
|
Balance requirements and fees |
We will waive the $10.00 monthly service charge with one of the following:
- Minimum daily balance of $1,000, or
- Average collected balance of $2,000, or
- Minimum combined monthly balance of $5,000 in checking, savings, money market, or CD
|
With a minimum daily balance of $750, we will waive the $8.00 monthly service charge
|
No minimum balance requirements or monthly service charges |
1: Overdraft fee apples to each item paid, and includes overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
First Rewards
Add First Rewards to any account!
You can add this powerful package of benefits at the low monthly price of only $5.00. The benefits you receive can save you as much as $278 per year!
• Identity theft insurance
• Savers club book
• Everyday rebate rewards
• Accidental death insurance
• Coast-to-coast vision plan
• Rx Advantage prescription
drug program
• Liberty Direct Services
• Local Connections
• Payment card protection
• ID Network safety service
• Get Up & Go
• Member benefits online
PERSONAL SAVINGS
|
Preferred Rate
Money Market |
Classic Savings |
Certificates of Deposit(CDs) |
What kind of account would you like? |
Market-leading rates—plus convenient access to your funds |
Start your savings plan today—for yourself, your children or your grandchildren |
Earn top rates with the security that your funds are protected |
Minimum to
open |
$25 |
$25 |
$1,000 |
Interest—see us for current rates |
Tiers:
- $1 - $24,999
- $25,000 – $49,999
- $50,000 – $99,999
- $100,000 – and above
|
Interest is paid on all balances, accrues daily and is paid quarterly |
Interest paid by check,
reinvestment or auto deposit to your Bank checking, savings or money market account |
Enjoy these custom benefits |
- Free Visa debit card or ATM card available1
- Checks available by request
- Free online banking
- Free TellerPhone services
|
- One (1) free withdrawal per month1
- Free online banking
- Free TellerPhone services
|
- Special promotional CDs offered on occasion. See bank for details.
- Terms from 1 month to 5 years
|
Balance requirements and other fees |
With a minimum daily balance of $2,500 or average collected balance of $4,000, we will waive the $10.00 monthly service charge |
With a minimum daily balance of $250, we will waive the $3 monthly service charge (no service charge for minors under age 18) |
Penalty for early withdrawal |
1: Federal regulations limit withdrawals to 6 preauthorized debits or 3 third party transactions per statement cycle. Fees on excessive withdrawals may reduce earnings. See account disclosure for details.
INDIVIDUAL RETIREMENT ACCOUNTS
Types of IRAs Offered:
-Traditional
-Roth
-Coverdell Educational
Terms of IRAs offered:
-Fixed rate
-Variable rate
-Eligibility
-IRAs are for individuals only
-Opening Deposit $500
Penalty for early withdrawal.
LOANS
First National Bank of Huntsville has the loan products to fit your personal or business needs, offering competitive rates and a quick response time. All loan decisions are made locally.
Consumer Lending
-Auto Loans
-Boat Loans
-Mobile Home Loans
-RV Loans
-Personal Loans
-Priority First
-Overdraft Protection
-24 hour access via Internet Banking - no fee
Real Estate Loans
-Home Loans (Permanent/Construction)
-Affordable Housing Loans
-Home Improvement Loans
-Home Equity Loans
-Farm and Ranch Land Loans
-24-hour Access via Internet Banking – No Fee
All loans are subject to credit approval. Equal Housing Lender.
OTHER SERVICES
Visa® Debit Card:
Our popular free debit
card is available on all personal and business checking accounts. Use it in place of a check to make
purchases anywhere around the world Visa
debit cards are accepted. Or, use it to withdraw
cash at any convenient ATM.1 All
transactions are detailed on your monthly
checking account statement, and your transactions
are protected by your private Personal
Identification Number (PIN).
Direct Deposit:
Save time and trips to the bank by having your Social Security, payroll
or other recurring payments automatically
deposited into your checking, savings or
money market account.
Free Online Banking with Free Bill Pay:
Bank 24 hours a day, 7 days a week, from
the privacy of your home or office with our
user-friendly online banking service. Check
balances, transfer between accounts, pay bills,
view check images, learn more about other
bank products and services—the possibilities
are endless! Visit www.fnbhuntsvilletx.com
to enroll.
Motor Bank:
Our friendly drive-thru's offer
extra convenience with extended banking
hours, Monday through Saturday in Huntsville. Extended banking hours Monday through Friday in Crockett and Madisonville. Get in
and out—fast!
Overdraft Services:
Anyone can have an
occasional overdraft. Now you can avoid the
embarrassment and hassle of returned checks
with this popular service that helps pay your
checks, up to your assigned limit, to cover
unexpected overdrafts.2
Priority First:
If you want overdraft
protection with higher limits and automatic
payment, apply for this convenient line of
credit. Funds are automatically transferred
to your account when needed, plus you have
24-hour access through online banking.
Only consumer accounts are eligible for this
service.3
Safe Deposit Boxes:
Our convenient safe
deposit boxes help protect your valuables
against fire, theft or other disasters. We have
a variety of sizes available. Certain accounts
qualify for a rental fee discount—see us for
details.
TellerPhone:
Access your account
information any time, from anywhere, using
your touch tone phone. All you need is your
account number and Personal Identification
Number (PIN) to check balances, make
transfers, reorder checks, check current
interest rates, and more! Call the TellerPhone number in your market.
Traveler’s Checks:
Give yourself peace of
mind while traveling with this affordable
service, recognized around the world.
Wire Transfer Service: We’ll help you wire
money or accept funds from anywhere in the
United States or around the world. Incoming
wires are accepted at no charge.
1 Transactions at First National Bank of Huntsville’s ATMs have no charge.
Transaction fees may apply at non-FNB-owned ATMs.
2 Service is discretionary and is offered subject to approval.
3 All loans are subject to credit approval.
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Equal Housing Lender Member FDIC