First National Bank of Manchester
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Personal Checking

Personal Checking
First National Bank offers several choices in checking accounts, so you can select one with the features that are important to you.

 
 

Free Checking

  • Unlimited check writing and no monthly service fees 
  • No minimum balance requirements ($100 minimum to open account)
  • Free Internet Banking and Bill Payment* 
  • Free on-line statements
  • Unlimited free FNB ATM transactions
  • Direct deposit available
  • Free Dial-A-Bank Service


 Regular Checking 

  • Free when you maintain a minimum daily balance of $500.00.  Otherwise $6.00 every statement cycle.
  • $100 minimum to open
  • Unlimit
  • Free Internet Banking and Bill Payment*
  • Unlimited free FNB ATM transactions
  • Free Dial-A-Bank Service 
  • Direct deposit available
  • Free on-line statements 


     Student Checking 

  • No minimum balance requirements
  • Unlimited Check Writting
  • No monthly maintence fee
  • Free Internet Banking and Bill Payment*
  • Free Dial-A-Bank Service
  • Direct deposit available
  • Free on-line statements
  • Free email alerts for students and parents-keep track of your balance and know when your statement becomes available.

        17 & under must have a parent or guardian signature on the account.
        *Subject to terms and conditions


 Electronic Fund Transfer Account

  • No minimum balance required
  • Free Dial-A-Bank Service
  • Free Internet Banking and Bill Payment
  • Free on-line statemetns

      A maintenance fee of $6.00 will be charged per each direct deposited item.
      * Subject to terms and conditions
  


Smart Club 

  • No minimum balance requirement ($100.00 minimum to open)
  • Accidental Death and Dismemberment Insurance
  • Free initial order of wallet style checks and deposit slips 
  • Free Notary service
  • Free Dial-A-Bank Service 
  • Personal I.D. card
  • Direct deposit available
  • Free automatic transfer of funds to Christmas/Vacation Club Accounts
  • Free automatic transfer of Loan Payment
  • Free Internet Banking and Bill Payment*
  • Free on-line statements

       A membership fee of $6.00 will be charged monthly
       *Subject to terms and conditions


Master Club

We now have new discount cards with new merchants.  Stop by any of our branches to pick up a copy.  Also you will need to have your Membership card with you at the time of discount.

We offer special benefits to customers age 55 or older. 

  • Master Club members receive all the Smart Club services
  • No minimum balance requirements ($100.00 minimum to open) 
  • Free travelers checks
  • One time 50% discount on a lock box rental
  • No monthly maintenance fee 
  • Free Dial-A-Bank Service 

 Super Now 

  •  Minimum Balance to open account $1,000
  •  Free Internet Banking and Bill payment*
  •  Free Direct Deposit
  •  Free On-line Statements
  •  Unlimited free FNB ATM Transactions
  •  Free Dial-A-Bank Service

 Interest Rate and annual percentage yield is subject to change at any time View Rates
1 Disclousre below for Super Now Accounts

 
Account Information This Account is interest bearing.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account weekly.  Interest begins to accrue on the business day you deposit noncash items (for example, checks.  Interest wil be compounded monthly and will be credited to the account monthly.  If the acount is closed before interest is credited, you will not receive the accured interest.        
Minimum Balance 
to open Account

 

 You must deposit $1,000.00 to open this account.

Minimum Balance
to avoid imposition of fees

 

 A service charge fee of $15.00 will be imposed every statement cycle if the balance falls below $1,000.00 any day of the cycle.

Balance 
Information

We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
Account Fees A membership fee of $6.00 will be charged each calandar month.  This fee will apply if you are a Smart Club Member
   


 Money Market

  •  Minimum Balance to open account $1,000
  •  Free Internet Banking and Bill Payment*
  •  Free Direct Deposit

Interest Rate and annual percentage yield is subject to changeView Rates
1 Disclosure below for Money Market Accounts.

Account Information This Account is interest bearing.  The interest rate and annual precentage yield may change.  At our discretion, we may chage the interest rate on the account weekly.  Interest begins to accure on the business day you deposit noncash items (for example, checks.  Interest wil be compounded monthly and will be credited to the account monthly.  If the acount is closed before interest is credited, you will not receive the accured interest.        
Minimum Balance 
to open Account

 

 You must deposit $1,000.00 to open this account.

Minimum Balance
to avoid imposition of fees

 

 A service charge fee of $15.00 will be imposed every statement cycle if the balance falls below $1,000.00 any day of the cycle.

Balance 
Information

We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
Account Fees An Excessive activity fee of $1.00 will be charged for each debit transaction in excess of six during a statement cycle.
Account 
Limitations

 You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction by check , draft, debit card or similar order (including POS transaction), made by the depositor and payable to third parites.   Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

 

 


IMPORTANT INFORMATION ABOUT PROCEDRUES FOR OPENIENG A NEW ACCOUNT

To help the government fight the funding of terroism and money laundering activities, federal law requres all financial instituions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth and other information that will allow us to idenfity you.  We may also ask to see your driver's license or other identifying documents.

                                     

 

 

 

 

 
 

 

 

 

 

 

 

 


 

 

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