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The First National Bank of Pana offers a specially designed checking plan for each of our depositors. We offer a variety of checking services personally designed to meet your needs!
NO FEE CHECKING - Simply maintain a balance of $750 or more in your regular checking account and you will receive no monthly fee on your regular checking. The following fee schedule will apply when compared to your balance.
Minimum Balance
$750 & Over
$350 - $749
$0 - $349 |
Monthly Fee
No Monthly Fee
$3.50
$7.00 |
Interest rates on deposit accounts fluctuate, so please call our Customer Service Representatives at 562-3961 or refer to our rate board in our bank lobby. Interest is calculated and balances are computed within statement cycle periods not necessarily a calendar month.
A checking account that earns you a competitive variable interest rate compounded monthly. There is a minimum balance of $750 required or a $7.50 surcharge applies. With a NOW Account, you earn interest on your checking account while writing as many checks as you want.
Variable market rates are offered on Super NOW Accounts and interest is compounded monthly. Keep a minimum of $1,500 in this account and write all the checks you want at no extra charge. A $7.50 surcharge applies if balance drops below minimum required.
Our Super First Account is a Money Market Checking Account that can be opened with a minimum of $2,500. A $7.50 surcharge applies if your daily ledger balance is less than $2,500. There are restrictions on the number of withdrawals you can make per monthly statement cycle. To provide you with the maximum interest earning potential on your money, the Super First Account is tiered so you earn interest according to the category of your balance. The tiers are:
$0.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49, 999.99
$50,000 & Up
All these personal banking services for only $7.00 per month! A family plan providing additional accidental death insurance is available for only $1.50 more per month.
- No Service Charge on First 30 Checks Per Month. A $.10 Handling Charge Will Be Assessed For All Checks Exceeding 30 per Monthly Statement Cycle
- No charge for personalized club checks
- Accidental Death Insurance
- Discount on Small Safe Deposit Box
- Credit Card Protection
- Key Ring
- No charge license sticker renewal (limit 2 per year)
- 24-Hour ATM Card (You must apply)
- Home Inventory Log
- Travel and Recreation Discounts
- No Fee Money Orders or Cashier's Checks (limit 3 each)
- And Much More!
Are you 50 or better? Our First Class Club is a complete package of financial services available for you.
- NO MINIMUM balance required
- NO CHARGE for personalized club checks
- NO FEE for Traveler's Checks
- NO FEE for money orders or cashier's checks (limit 3 each)
- NO CHARGE for a small safe deposit box, subject to availability
- NO CHARGE for notary service
- NO CHARGE license sticker renewal (limit 2 per year)
- NO CHARGE for your 24-Hour ATM Card
All this for only $5.00 per month!
If you elect the First Class Club's interest bearing option, you will earn a high variable interest rate compounded monthly. You must maintain a $2,500 minimum balance or a $5.00 penalty will apply.
This special club account has been specifically designed with high school students in mind! The Panther Club offers the following benefits:
- NO Monthly Service Charge
- NO Minimum Balance Required
- First order of Panther Club Checks at NO CHARGE
- 24-Hour ATM Card at NO CHARGE
We do require a $100.00 initial deposit. If the student is not 18 years of age, we will require a parent or guardian as joint signer on the account.
Please contact our Customer Service Representatives in the Customer Service Center for details.
Passbooks require a minimum of $100 to open and earn a competitive variable interest rate, paid semi-annually on June 30 and December 31. Statements will be mailed to you annually at the end of each year. There is a $.50 fee per withdrawal in excess of 12 per year if the average balance is less than $1,000.00. We also offer a MINOR'S SAVINGS ACCOUNT for those age 0-12 with a minimal opening deposit of $10.00. The same stipulations apply to the Minor's Savings Account as our regular passbook savings.
A savings account that requires no minimum balance and pays a competitive variable interest rate. Your payments can be flexible to fit your budget, not a set schedule determined by the bank. Our Christmas Club check is mailed to you in early November. Start one today and you'll be glad you did. A minimum of $5.00 is required to open.
Available for a minimum of $1,000, Certificates of Deposit offer the investor a safe, high-yielding investment. You can choose your maturity, from 3 months to 5 years. Interest will be paid semi-annually or at maturity We can credit this interest to another account here at First National Bank, if you wish. We utilize automatically renewable forms for your convenience. (Note: A substantial penalty applies for early withdrawal of Certificate of Deposit.)
An IRA can help you build future financial security while it can help you save money on taxes. We offer a variety of IRA plans including Regular, ROTH and Education. Please see our Customer Service Representatives for further details.
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