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-Your interest rate and annual percentage yield may change monthly at our  
    discretion. 
-We use the daily balance method to calculate the interest on your  
    account.  Interest will be compounded every day.  Interest will be  
    credited to your account every month. 
-The minimum balance to obtain the annual percentage yield is $1,000  
    each day of the statement cycle. 
-A service charge of $25.00* will be imposed every statement cycle  
   if any day during the cycle the balance in the account falls below $1,000. 
-Interest begins to accrue no later than the business day we receive credit  
   for the deposit of noncash items. 
-Nonsufficient funds (NSF) item (each) - Returned Item Fee - $25.00 per  
item. 
-Overdraft fee - $25.00 per item paid. 
 
*This fee is subject to applicable state and local taxes. 
 
If you use an Automated Teller Machine (ATM) that is not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). 
 
You may access First National Bank's Online Banking any time of day or night through our web site.  Online Banking is FREE and Convenient!!!! 

 


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