Personal Banking

 

PERSONAL CHECKING

Checking choices:
Select the account that’s right for you

 

Score! Checking

Star Checking

Star e-Checking

Gold Star Checking

What kind of account would you like?

Full service checking - with extras

A valuable package of financial services – plus interest

Perfect for everyday banking, for students, or as a convenient second account

Exclusively for customers 55 years of age or better!

Minimum to open

$50

$50

$50

$50

Interest—see us for current rates

No

Yes

No

No

Enjoy these custom benefits

  • Free online banking
  • Free mobile banking
  • Free online bill pay with unlimited items
  •  Free e-statements
  • Free Visa® debit card
  • Free Telephone Banking System services
  • Free ATM withdrawals at all of our ATMs
  • Overdraft Privilege
  • Pop Money
  • Overnight Payments
  • Trusteer Rapport
  • Cell Phone Protection
  • $10,000 Travel Insurance *
  • Roadside Assistance
  • Shopping & Dining Disounts
  • Grocery Coupons
  • Travel Discounts
  • Pharmcy Discounts
  • Vision & Hearing Discounts
  • ID Theft Assistance
  • Paper Statement
  • Free online banking
  • Free mobile banking
  • Free online bill pay with unlimited items
  •  Free e-statements
  • Free Visa® debit card
  • Free Telephone Banking System services
  • Free ATM withdrawals at all of our ATMs
  • Overdraft Privilege
  • Pop Money
  • Overnight Payments
  • Trusteer Rapport

 

  • Free online banking
  • Free mobile banking
  • Free online bill pay with unlimited items
  • Free e-statements
  • Free Visa® debit card
  • Free Telephone Banking System services
  • Free ATM withdrawals at all of our ATMs
  • Overdraft Privilege
  • Pop Money
  • Overnight Payments
  • Trusteer Rapport
  • Free online banking
  • Free mobile banking
  • Free online bill pay with unlimited items
  •  Free e-statements
  • Free Visa® debit card
  • Free Telephone Banking System services
  • Free ATM withdrawals at all of our ATMs
  • Free Cashiers Checks & Money Orders
  • Safe Deposit Box Discounts
  • Overdraft Privilege
  • Pop Money
  • Overnight Payments
  • Trusteer Rapport

Balance Requirements and monthly maintenance fees

$6 monthly maintenance fee

No minimum balance requirements.

$10 monthly maintenance fee if balance falls below $2,500

Additional $3 monthly maintenance fee for paper statement

$3 monthly maintenance fee Or $0 with e-statements

No minimum balance requirements.

$3 monthly maintenance fee Or $0 with e-statements

No minimum balance requirements.


* Insurance products are not FDIC insured, not a deposit, not an obligation of or guaranteed by First National Bank of Huntsville, its affiliates, or any government agency.

 

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

$50

$50

$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 available1
  • Checks available by request
  • Free online banking
  • Free online bill pay
  • Free e-statements
  • Free Telephone Banking System services
  • Free ATM withdrawals at all of our ATMs
  • Pop Money
  • Trusteer Rapport

 

  • One (1) free withdrawal per month1
  • Free online banking
  • Free Telephone Banking System services
  • Free e-statements
  • Trusteer Rapport

 

  • 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 balance less than $2,500 or the average daily balance less than $4,000, we will waive the $10 monthly maintenance fee

With a minimum daily balance of $250, we will waive the $3 maintenance fee

Penalty for early withdrawal


1: Federal regulations limit withdrawals to six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or 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 Privilege

Overdraft Privilege is not a line of credit, but should you inadvertently overdraw your account we have the discretion to cover your overdrafts as outlined in our Discretionary Overdraft Privilege Disclosure. Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from this Overdraft Privilege amount as items are paid. It may be possible that your account will become overdrawn in excess of the Overdraft Privilege amount as a result of the assessment of a fee.

Discretionary Overdraft Privilege Disclosure

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.2

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.

Telephone Banking System:

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, loan payments, tax records, and locations.

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 All loans are subject to credit approval.