Make Your Financial Life More Rewarding
At First National Bank of LaFollette we continue to find more and better ways for you to make and save money. We make it easy for you to manage your financial affairs. At First National Bank you'll experience the difference. Check us out.
| Deposit
Accounts
|
Other
Banking Services
|
| Loan Accounts
|
Personal Checking Services
First National Bank of LaFollette offers a variety of checking accounts to match your financial needs and lifestyle. These accounts provide you with detailed records and monthly image statements to help you keep up with expenses and income. Checks give you the convenience of paying by mail rather than in person; and your canceled image checks are legal proof of payment. Please talk with any of our New Account Representatives about your individual checking needs. We’ll be glad to help you decide which checking plan is best for you and your family.
Regular Checking
- $100.00 minimum opening deposit
- ATM / MasterMoney Check Card
- No monthly service charge if the daily balance is over
$700.00
- $7.00 service charge if the daily balance is under
$700.00
- No monthly service charge if full time student or age 55 or greater
- Receive monthly image statements
- On Call – 24 hour account information
back to
top
Free Checking
back to
top
First Advantage Checking
(Click here to
check out advantages of becoming a member!)
- Free checks
- Earn interest
- No minimum balance required
- Overdraft privileges and Discounts
- $10,000 Accidental Death & Dismemberment
Insurance
- Identity Theft 911
- Health benefits
- Travel benefits
- Any many, many more!
Start taking advantage of the advantages with First
Advantage Checking. Click here to
learn more.
back to
top
Interest Checking
- Interest paid on account based on average daily balance of $500
- $1,000.00 minimum opening deposit
- Receive monthly image statements
- No monthly service charge if daily balance is $1,000.00 or more
- $8.50 monthly service charge if daily balance falls below $1,000.00
- ATM / MasterMoney Check Card
- On Call – 24 hour account information
back to
top
Money Market Investment Account
- $2,500 minimum opening deposit
- No monthly service charge when balance remains $2,500 or greater
- $8.50 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.
- Earn even more interest when you have a First National Bank of LaFollette checking account and request a
Money Market Investment Account Plus.
- 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 |
- Receive monthly image
statements
- On Call – 24 hour account information
- Contact us for current rates
back to
top
Age 55 and Older Regular Checking
back to
top
Individual
Retirement Accounts
An IRA is a special savings plan that lets you put
aside money you earn today to be used later for your retirement. Depending on
your income, your income tax liability on those funds may be deferred. You may
be able to deposit or transfer the money from your current IRA to a FNB IRA, even if you belong to a retirement plan at work. Interest earnings are not taxed until withdrawal (penalty for early withdrawal).
-
$100 minimum to open
-
Interest is compounded and credited to the account quarterly.
- A minimum balance of $10.00 is required to earn interest
- Contact us for current
rates or to start your new IRA.
back to
top
Savings Plans
At First National Bank of LaFollette we look at savings in two ways:
First there is the traditional way with monthly statement saving and certificates of deposit accounts.
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
back to
top
Golden I Savings
- $500.00 minimum to open
- Interest is compounded and credited monthly. There is no minimum balance to earn interest.
- 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
back to
top
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 withdraw 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
back to
top
Christmas Club
- Christmas Club accounts may be opened at any time
- $10.00 minimum to open
- Interest is paid at maturity on the daily balance.
There is no minimum balance to earn interest.
- $5.00 fee charged if withdrawal is made before maturity
of October 31
- Balance and interest will be automatically
transferred to another FNB deposit account on October 31.
- Contact
us for current rates
back to
top
Certificate of
Deposits
These certificates are offered with up to sixty (60) months maturity.
- Minimum opening amount is $1,000.00
- 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.
back to
top
Choice Certificates
- 15 month maturity
- $1,000 minimum to open
- Interest Rate may change 1 time during the term of the certificate at customer's 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.
back to
top
The One Account
The One Account combines an overdraft protection line of credit with any First National Bank of
LaFollette checking account.
With the One Account, you don’t have to worry if you write a check and do not have enough money in your account to cover it.
First National Bank will automatically draw funds from
your One Account personal or business line of credit for any shortages. Interest
on your line of credit will begin on the date the funds were advanced.
Your checking and personal line of credit activity will be reported on one statement each month. There is a
$25 annual fee for this service.
back to
top
Other 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
back to
top
ACH
back to
top
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.
back to
top
Bank by Mail
Special envelopes are provided free to our checking and savings customers for this convenient service.
back to
top
Bill Pay
back to
top
Cashier
Checks
Your may purchase cashier checks at any First National Bank of LaFollette
location.
back to
top
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.
back to
top
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.
back to
top
Lock Boxes
Lock Boxes are very affordable and available at all First National Bank offices. Do you have valuables or important papers that need to be in a safe place? Call
FNB in Anderson County at (865) 457-8684 or Campbell County at (423) 562-3364 to reserve your lock box today.
back to
top
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 must have a checking account in good standing with First National Bank of
LaFollette.
back to
top
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.
back to
top
Notary Service
This service is available at no charge to our customers.
back to
top
Online Banking
back to
top
Traveler’s Cheques
Planning a vacation? Traveler’s Cheques are safer than carrying cash and can be replaced quickly if lost or stolen.
Contact us for more information.
back to
top
U.S. Savings Bonds
Ever wonder why U.S. Savings Bonds stay so popular in America’s ever changing financial landscape? The answer’s easy …savings bonds are a great way to save! And, buying bonds regularly is one of the easiest ways to invest today so you can enjoy tomorrow!
Contact us about purchasing a U.S. Savings Bond today.
back to
top
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.
back to
top
Loan Accounts
Consumer Credit
First National Bank offers a wide variety of both consumer and business loans to meet all your financial needs. Monthly loan payments may be automatically deducted from your First National Bank checking completely free of charge! Also, there is no prepayment penalty for early payoff of any First National Bank loan. Choose from the following for more information:
back to
top
Consumer Loans
Consumer loans are available to finance automobiles, boats, recreational vehicles, and various other consumer items. First National Bank consumer loans have…
-
Competitive interest rates
-
Fast approval
-
Instant loan closing (we are able to close immediately upon approval of most consumer loans)
-
Credit life and Accident & Health insurance available
-
Free automatic payments deducted monthly from your First National Bank checking account
back to
top
Student Loans
First National Bank teams with edamerica to offer student loans to finance your education. For more information call
1-800-337-1009 or simply visit their website. You can also view your account online. Let FNB and
edamerica help take the worry out of financing your education.
back to
top
Credit Card Services
A VISA or Mastercard from First National Bank lets you make purchases at most any location. Your First National Bank credit card can also provide cash advances through banks and ATMs worldwide. Best of all…there is no annual fee!
back to
top
