First National Bank in Olney
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Checking Accounts


 Unlimited
Transactions
Interest
Bearing
Monthly
Statement
Quarterly
Statement
Minimum
Initial Deposit
Regular Checking  $100
SWIPE IT Checking  $100
NOW Plus $1,000
First Class Club $100
Money Market  $1,000
Health Savings Account $50

  • Regular Checking Account

    This account is ideal for customers who maintain a balance in their account greater than the average daily collected balance of $300 and who write many checks.

    • Available to consumers and businesses.
    • Minimum opening balance is $100.00.
    • Unlimited check writing with first box of checks free with check number starting at 101. (Check printing fees on other orders depends on style of check ordered.)
    • Debit Card available.
    • Monthly statement will be mailed to customer with electronic statement delivery available.
    • Monthly service charge waived for customers age 22 and under, or age 62 or above.
    • No monthly service charge if average collected daily balance of $300 or more is maintained.
      A $3 service charge will be assessed per month if average daily collected balance is less than $300 and $4 fee if the average daily collected balance is less than $100.
    • No average daily collected balance service charge assessed to the first statement of a new account.
       
  • Swipe It Checking Account

    This account is ideal for those who use their debit card frequently, write few checks, and enjoy the convenience of electronic statements, notices and disclosures.

    • Available to consumers and businesses.
    • The minimum opening balance is $100 with no minimum monthly balance requirement.
    • Consumers will be required to receive all account statements, notices, and disclosures in electronic form.  (All Accounts)
    • Businesses or Organizations will receive only Swipe It Checking account statements, notices, and disclosures electronic form.
    • This is a non-interest bearing account with unlimited check writing.
    • First check order is free with check number starting at 101.  (Check printing fees on other orders depends on style of check ordered.)
    • Customer will receive a $.05 credit for each Debit Card transaction of $10.00 or more.
    • Credits will be  deposited to account when the statement cycles.
    • A $5.00 fee will be charged to the account per statement cycle if the customer does not complete the electronic statement enrollment process or withdraws consent to receive electronic statements.  The fee will be waived for the first statement cycle.
    • ATM or Debit Card available with account.
  • First Class Club

    The eligibility requirements are really quite simple. You or your spouse must be at least 50 years young or better, and you must maintain at least $10,000 or more in any combination of accounts at FNB or with the First National Investment Center.

    Benefits include:

    • Now Plus checking account with no strings attached
    • Trips and Tours
    • Seminars, Classes and Parties
    • $10 off safety deposit box for the first year
    • Pre-authorized emergency wire transfer service
    • First National Bank key tags
    • Free photocopy service for personal documents.
    • Free notary service
    • No bank service charge to renew your auto license plate sticker,
      although a $2.50 electronic fee applies.
    • Free Personal Banker service and checkbook balancing.
    • No service charge for Cashier's Checks or Money Orders.

     

    If you have any questions or comments regarding our First Class Account, the club, or
    any upcoming events, please email Cindy Zerkle or call 618-393-8284.

  • NOW Plus Checking Account

    This Cash Management account pays interest on your account balance. It is ideal for customers who want to earn interest on the funds in their checking account and who maintain a larger balance in their checking account.

    • Available to consumers, businesses operated as sole proprietorship, non-profit organizations, and certain government units.
    • Minimum opening balance is $1,000.
    • Unlimited check writing with first box of checks free with check number starting at 101. (Check printing fees on other orders depends on style of check ordered.)
    • Debit Card available.
    • Monthly statement will be mailed to customer with electronic statement delivery available.
    • Daily collected balances $2,500 and greater earn higher interest rate.
    • Interest rate may change at any time.
    • Interest added to the account at the end of each monthly statement cycle.
    • No interest earned on days when the collected balance is below $500.
    • $3 per month service charge assessed if the average daily collected balance is less than $1,000 down to $500. $5 per month service charge assessed if the average daily collected balance is less than $500.
    • No average daily collected balance service charge assessed to the first statement of a new account.
  • Money Market Account

    This account is designed for customers who want to earn interest, have immediate access to their funds and who write very few checks.

    • Available for consumers and businesses.
    • Minimum opening balance is $1,000.
    • Checks will be issued upon customer request. (Check printing fees vary based on style of check ordered.)
    • Monthly statement will be mailed to customer with electronic statement delivery available.
    • Interest added to account at the end of each monthly statement cycle.
    • Interest rate may change at any time.
    • No interest earned on days when the collected balance is less than $1,000.
    • Allows 6 pre-authorized withdrawals (check, draft, debit card, internet banking, telephone transfers, wire transfers, ACH, Info-24, Automatic Funds transfer between accounts, excluding loans) per statement cycle and unlimited withdrawals in person, by mail or ATM.
    • $10.00 service charge will be assessed per month if the average daily collected balance is less than $1,000.
    • $10.00 excessive withdrawal fee assessed for each pre-authorized transfer over six (6) in a monthly statement cycle.  Continued use which exceeds these transaction limits may require action to close the account after notification.
    • No average daily collected balance service charge will be assessed to the first statement of a new account.
  • First Line Overdraft Protection

    The First National Bank in Olney is proud to offer you the opportunity to enjoy the convenience of our “First Line” Overdraft Protection Plan.

    If your account becomes overdrawn, we will automatically deposit funds directly into your account to avoid unnecessary service charges.

    Just write a check or use your MasterCard Debit Card for those purchases with no need to arrange financing each time. “First Line” provides you a readily available line of credit.

    “First Line” can be repaid in convenient small monthly payments. These payments may be automatically deducted from your account each month.
     

  • Health Savings Account

    This account is ideal for customers who want to save money to pay for qualified medical expenses.

    • This account is available for personal use.
    • The individual must be covered by a Self or Family High Deductible Healthcare Plan (HDHP).
    • The individual cannot be enrolled in Medicare.
    • Contributions are tax deductible.
    • A $2.00 Monthly Maintenance Fee will be assessed to your account with each monthly statement cycle.
    • The minimum opening balance is $50 with no minimum monthly balance requirement.
    • Debit Card available with account.
    • A monthly statement will be mailed to the customer.
    • Health Savings Account funds can be withdrawn in person, by check, or debit card for qualified medical expenses for yourself, your spouse, or your dependent children without tax penalty.  First National Bank in Olney is not responsible for determining if the distribution is a qualified medical expense.  Qualified medical expenses are defined in IRS Section 213 (d), under Publication 502: Medical and Dental Expenses.