We believe that you will enjoy banking with a bank that offers friendly customer service. We care about you and the community because we live here too.
If you have any questions please call 606-598-6111 to speak to one of our customer service representatives who will be happy to assist you with any problems and answer any questions that you may have. Unlimited check writing and no monthly service fees
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.
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 Telephone Banking
- No monthly maintence/activity charge
*Subject to terms and conditions See Schedule of Fees and Charges
Regular Checking
- Unlimited Check writing
- Free when you maintain a minimum daily balance of $500.00. Otherwise $6.00 every statement cycle.
- $100 minimum to open
- Free Internet Banking and Bill Payment*
- Unlimited free FNB ATM transactions
- Free Telephone Banking
- Direct deposit available
- Free on-line statements
*Subject to terms and conditions see schedule of fees and charges
Student Checking Accounts
- Unlimited check writing
- $50.00 minimum to open account
- No minimum balance requirements
- No monthly maintence fee
- Free Internet Banking and Bill Payment*
- Free Telephone Banking
- 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
With Direct Deposit funds are deposited directly into your account. There is no need to wait for your check to clear. In addition to this convenience and safety, your money is available immediately.
Direct Deposit Account
- No Minimum balance requirements
- Free Telephone Banking
- Free Internet Banking and Bill Payment*
- Free on-line statements
A maintenance fee of $6.00 will be charged per each direct deposited item.
* Subject to terms and conditions
Special Certified Teacher Accounts
- Unlimited check writing and no monthly service fees
- First initial order of checks free (safety checks)
- 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 of payroll checks
- No monthly maintenance fee
- Free Telephone Banking
*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 Telephone Banking
- 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
We offer special benefits to customers age 55 or older.
Master Club
- 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
Super Now Accounts
- 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
Interest Rate and annual percentage yield is subject to change View Rates
A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
If you are a Smart Club member a fee of $6.00 will be charged each calendar month.
Corporations are not eligible for Now Accounts.
*Subject to terms and conditions
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
A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
A membership fee of $6.00 will be charged each calendar month. This fee will apply if you are a Smart Club member.
An excess activity fee of $1.00 will be changed for each debit transaction in excess of six during a statement cycle.
Transaction limitations:
Transfers from a Personal Money Market Deposit account to another account or third parties by preauthorize, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
*Subject to terms and conditions
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