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Business Money Market Investment Accounts
- Ideal for partnerships, corporations, and other businesses
- $2,500 minimum opening deposit
- No monthly service charge when balance remains $2,500 or greater.
$10.00 service charge if daily balance is less than $2,500.
- Interest is paid on the average daily balance of
$500 or more and paid monthly
- You will earn a higher rate of interest with a Money Market Plus account, if you maintain a FNB Checking Account.
- Monthly withdrawal limitations:
|
* |
6 transfers or pre-authorized withdrawals per 4-week or similar period but only 3 may be checks written to third parties |
- Image Statements are issued monthly
- On Call – 24 hour account information
- Contact us for current rates
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Commercial Loans
First National Bank provides commercial loans to individuals, partnerships, and corporations. Our business loans offer flexible terms and competitive rates for expansion and development, commercial real estate purchases, new equipment, and investment opportunities. Contact one of our
commercial loan officers about a loan to suit the unique needs of your business.
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Savings Plans
At First National Bank of LaFollette we look at savings in two ways:
First there is the traditional way with passbook accounts and certificates of deposit.
The second way, and perhaps the more important one, is the savings you gain by spending your money wisely. Think about this. If you have $5,000 in a CD and a rate 1/2% above the current market rate, at the end of the year you are ahead only $25.00. So in one year you have made just an extra $25.00.
If you are spending your money according to a plan you can save that amount each week. So at the end of the year you could have saved $1,300.00 by spending properly, while your other savings account has provided you with just $25.00, a difference of $1,275.00.
Our saving plans don't stop here: check out the saving accounts we offer below:
Regular Savings
- $200.00 minimum to open
- Interest paid monthly on the daily balance.
There is no minimum balance to earn interest.
- Monthly withdrawal limitations:
| * |
1 withdrawal per month at no charge, additional
withdrawals $5.00 each during same period |
| * |
6 transfers per 4-week or similar period but
only 3 may be checks written to third parties |
-
Contact us for current rates
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Golden I Savings
- Interest is compounded and credited monthly. There is no minimum balance to earn interest.
- $500.00 minimum to open
- Monthly statements are issued to track
account activity.
- Monthly withdrawal limitations:
|
* |
1 withdrawal per month at no charge, additional withdrawals
$5.00 each during same period |
|
* |
Up to 6 transfers may be made during each four-week statement cycle period, three of which may be payments by check to third parties. |
- Contact us for current rates
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Golden II Statement Savings
- $500.00 minimum to open
- Must maintain an active First National Bank of LaFollette
checking account
- Pays a higher interest rate than the golden savings
account
- Interest is compounded and credited monthly. There
is no minimum balance to earn interest.
- Monthly withdrawal limitations:
| * |
1 withdrawal per month at no charge, additional
withdrawals $5.00 each during same period |
| * |
6 transfers per 4-week or similar period but
only 3 may be checks written to third parties |
- Monthly statement included on checking account statement
- Contact
us for current rates
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Certificate
of Deposit
These certificates are offered with up to sixty (60) months maturity
- Minimum opening amount is $1,00.00
- Deposits of $100 or more may be made at anytime.
- Interest may be compounded monthly by adding back to the certificate or issued monthly by check or deposited into another First National Bank account
- Interest is paid on the daily balance
- Penalty for early withdrawals:
CD’s 30 days or less – 15 days interest penalty
CD’s 31 days to 365 days– 91 days interest penalty
CD’s 366 days or greater – 182 days interest penalty
- May be used as loan collateral
- Contact us for current rates and special promotions.
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Choice Certificates
- 15 month maturity
- $1,000 minimum to open
- Interest Rate may change 1 time during the term of the certificate at customers request
- Deposits may be made at any time in the amount of $100 or more
- Statement is issued quarterly
- Interest may be compounded monthly by adding back to the certificate or issued monthly by check or deposited into another First National Bank account
- Penalty for early withdrawals is 182 days interest
- May be used as loan collateral
- Contact us for current rates and special promotions.
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Other Banking Services
ATMs
For your convenience, access your First National Bank account information 24 hours a day, seven days a week. With your First National Bank Card make cash withdrawals and balance inquiries at thousands of ATMS worldwide. Loan payments and deposits may be made at either the downtown FNB LaFollette Office, Jacksboro Office or Clinton Office ATM locations.
To report lost or stolen cards, please call toll free (866)-546-8273
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ACH
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Automatic Transfer
You can authorize automatic regularly scheduled transfer of money from your checking account to help build savings or to pay loans. It’s easy and it’s free.
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Bill Pay
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Cashier
Checks
Your may purchase cashier checks at any First National Bank of LaFollette
location.
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Direct Deposit
If you receive a social security, retirement, payroll, military or corporate check, it may be sent directly to us and deposited in your account where it can’t be lost, stolen or misplaced. We can help you fill out the required forms. Please
contact us anytime.
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Federal Tax Depository
First National Bank of LaFollette is an authorized agent for receiving
federal tax deposits.
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ImageFirst Statements
Instead of getting a bulky envelope of returned checks, we’ll send you an ImageFirst Statement reflecting reduced images of your checks numerically spread 12 to a page. This simplified statement lets you quickly review and easily file your checking account activity.
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Debit
Card
Your First National Bank of LaFollette (FNB) Debit Card gives you the convenience and speed you demand and the security you deserve. With your FNB
Debit Card, make purchases by drawing directly on funds from your checking account – with no check writing and identification hassles. You can use it to make purchases wherever you see the MasterCard logo. It works like an ATM card, too, giving you access to your money 24 hours a day.
Contact us for all the details. All applicants are
must have a checking account in good standing with First National Bank of
LaFollette.
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Merchant Check Verification
First National Bank of LaFollette can offer your business the convenience and flexibility of merchant check verification. Please
contact us for details.
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Night Depository
For your convenience, we offer an after-hours depository at each location –
an inexpensive and simple way to secure daily revenues. Transactions dropped off after business hours are processed at the beginning of the next business day, with receipts mailed to or picked up by each
customer.
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Notary Service
This service is available at no charge to our customers.
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Online Banking
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Traveler’s Cheques
Planning a business trip? Traveler’s Cheques are safer than carrying cash and can be replaced quickly if lost or stolen.
Contact us for more information.
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Wire Transfers
Ever have the need to transfer money from one bank to another quickly? Wire transfers are the answer.
Contact us for more information.
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Loan
Accounts
Business Loans
First National Bank provides commercial loans to individuals, partnerships, and corporations. Our business loans offer flexible terms and competitive rates for expansion and development, commercial real estate purchases, new equipment, and investment opportunities. Contact one of our
commercial loan officers
about a loan to suit the unique needs of your business.
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