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 keep a daily balance of $500.00 or more in their account, write a lot of checks, and wish to receive a printed statement.

    • This account is available for personal and business use. 
    • The minimum opening balance is $100.00.
    • A monthly statement will be mailed to the customer.
    • Unlimited check writing with the first box of FNB logo checks free with check number starting at 101.
    • No monthly service fee when you maintain a daily balance of $500.00 or more. A $5.00 service charge will be assessed per month if the daily balance is less than $500.00.
    • The monthly service charge will be waived on Personal Accounts for those age 25 and under or age 62 or better.
    • No daily balance service charge will be assessed to the first statement cycle of a new account.
    • Check printing fee depends on style of check ordered.
    • ATM or Debit Card available with account. 
  • Swipe It Checking Account

    This account is ideal for those who use their debit card frequently and want to receive their bank statements, notices, and disclosures electronically.

      • This account is available for personal and business use. 
      • The minimum opening balance is $100.00 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 in electronic form.
      • A $5.00 fee will be charged to the account per statement cycle if the customer does not complete the set up 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.
      • This is a non interest bearing account.
      • Unlimited check writing with the first box of FNB logo checks free with check number starting at 101.
      • Customer will receive a $.05 credit for each Debit Card transaction of $10.00 or more.  Credits will be deposited when the statement cycles.  *Excludes ATM Withdrawals*
      • Foreign ATM fees will be waived up to $30.00 per statement cycle for Customers age 25 and under.  It may take up to 24 hours after account is opened to become effective.
      • Check printing fee depends on style of check ordered.
  • 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 $10,000.00 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
    • $10.00 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
    • 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 account pays a competitive interest rate on your account balance.  It is ideal for value-conscious customers who want to earn money on the funds in their checking account and who keep more than a $1,000.00 balance.

    • This account is available for personal use, businesses operated as sole proprietorships, non-profit organizations, and certain government units.
    • The minimum opening balance is $1,000.00.
    • A monthly statement will be mailed to the customer.
    • Unlimited check writing with the first box of FNB logo checks free with check number starting at 101.
    • Interest rates may change at any time.
    • Daily collected balances of $2,500.00 and greater earn a higher interest rate.
    • Interest will be added to the account at the end of each monthly statement cycle.
    • No interest will be earned on days when the collected balance is less than $500.00.
    • A service charge of $5.00 will be assessed per month if the daily balance is less than $1,000.00.
    • No daily balance service charge will be assessed to the first statement cycle of a new account.
    • Check printing fee depends on style of check ordered.
    • ATM or Debit Card available with account.
  • Money Market Account

    This account is for customers who want to earn interest, have immediate access to their funds, and write a minimal amount of checks.

    • This account is available for personal and business use.
    • The minimum opening balance is $1,000.00.
    • Statements will be mailed monthly.
    • Interest rates may change at any time.
    • Interest will be added to the account at the end of each monthly statement cycle.
    • No interest will be earned on days when the collected balance is less than $1,000.00.
    • A service charge of $10.00 will be assessed per month if the daily balance is less than $1,000.00.
    • Allows 6 "pre-authorized" (Internet Banking, Telephone Transfers, Wire Transfers, ACH, Info-24, Sweeps, Automatic Funds Transfer from one account to another, excluding AFTs to Loans) withdrawals per month and unlimited withdrawals in person, by mail, or ATM transactions.
    • A $10.00 excessive withdrawal fee will be assessed for each pre-authorized transfer above six (6) paid in a monthly statement cycle.  Continued use which exceeds these transaction limits may require action to close the account after notification.
    • No daily balance service charge will be assessed to the first statement cycle of a new account.
    • Checks will be issued only upon customer request.
    • Check printing fee depends on style of check ordered.
  • 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 need 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.
    • The minimum opening balance is $50.00 with no minimum monthly balance requirement.
    • A $2.00 Monthly Maintenance Fee will be assessed to your account with each monthly statement cycle.
    • A monthly statement will be mailed to the customer.
    • Check printing fee depends on style of checks ordered.
    • Debit Card available with account.
    • 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.