First National Bank of Manchester
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Personal Checking

Personal Checking

Not all customers’ financial needs are the same – that’s why we’ve created options! First National Bank offers a range of innovative products and services to make your personal banking experience the best it can be. 

Stop by one of our locations to open your account today!


Regular Checking
Electronic Funds Transfer Account
Student Checking
Master Club
Smart Club
Super Now
Money Market

Free Services on ALL Checking account types

Free Voice Banking 
Free Mobile App 
Free Internet Banking 
Free Bill Pay Service
Free eStatements

*May be subject to Terms & Conditions


Regular Checking 

  • Free Direct Deposit
  • Opening Deposit $100.00
  • Unlimited check writing
  • 1 Free ATM/Debit Card per owner
  • Free ATM transactions at all First National Bank of Manchester ATMs
  • Minimum Balance $500.00

A maintenance fee of $6.00 will be charged if balance falls below $500.00


Electronic Fund Transfer Account

  • No minimum balance requirements 
  • No minimum opening deposit required  

A maintenance fee of $4.00 will be charged per each direct deposited item.
      * Subject to terms and conditions


Student Checking 

  • Minimum Opening Deposit $100.00 
  • No monthly maintenance fee
  • Unlimited check writing
  • Free Direct Deposit 
  • Free email alerts for students and parents to keep track of your balance and know when your statement becomes available
  • Free ATM/Debit Card
  • Free ATM transactions at all First National Bank of Manchester ATMs

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


Master Club
We offer special benefits to customers age 62 or older.  

  • Opening Deposit $100.00
  • Minimum Balance $500.00
  • Free Monthly Paper Statement with check images
  • Free Notary Service 
  • Free ATM/Debit Card
  • Free ATM transactions at all First National Bank of Manchester ATMs
  • Free Direct Deposit 
  • Free automatic transfer of funds to Christmas/Vacation Club Accounts
  • Free automatic transfer of Loan Payment

A maintenance fee of $6.00 will be charged if the balance falls below $500.00


Smart Club

  • No minimum balance requirement
  • Opening Deposit $100.00
  • Accidental Death and Dismemberment Insurance
  • Free Notary service 
  • Free ATM/Debit Card
  • Free ATM transactions at all First National Bank of Manchester ATMs
  • Free Direct Deposit
  • Free automatic transfer of funds to Christmas/Vacation Club Accounts
  • Free automatic transfer of Loan Payment 

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


Super Now  

  • Minimum Opening Deposit $1,000.00
  • Free Direct Deposit
  • Free ATM/Debit Card
  • Free ATM transactions at all First National Bank of Manchester ATMs

 Interest Rate and annual percentage yield is subject to change at any time
1 Disclosure 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 will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited, you will not receive the accrued 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 calendar month.  This fee will apply if you are a Smart Club Member
 


Money Market

  • Minimum Opening Deposit $1,000.00

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

Account Information This Account is interest bearing.  The interest rate and annual percentage yield may change.  At our discretion, we may charge the interest rate on the account weekly.  Interest begins to accrue on the business day you deposit noncash items (for example, checks.  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited, you will not receive the accrued 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 parties.   Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.


Effective July 21, 2010, the FDIC made permanent the current standard maximum deposit amount 
(SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution
for each ownership category.  NOTE:  Separate FDIC insurance coverage for IRA & KEOGH accounts.

 

*OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur.  The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account.  The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts.  This will be done by contacting our Bookkeeping Department.

* Account holders other than Master Club or Master Club Super Now will be charged $2.00 per statement cycle for Processing & Delivery fee if they receive copies of check images with paper statements in the mail. 

 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 identify you.  We may also ask to see your driver's license or other identifying documents. 


 


 

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