SOLE PROPRIETOR & ORGANIZATION

  • Minimum to Open: $100.00
  • Minimum Daily Balance Required for No Service Charge: $500.00
  • Accounts not meeting Balance Requirements: $5.00 per statement cycle
  • Over 25 items: $0.05 per item

SMALL BUSINESS CHECKING

  • Minimum to Open: $100.00
  • Minimum Daily Balance Required for
    No Service Charge: $1000.00
  • Accounts not meeting Balance Requirements: $8.00 per statement cycle
  • Over 50 items: $0.05 per item

ANALYSIS CHECKING

  • Minimum to Open: $100.00
  • Account Maintenance: $5.00
  • Deposited Items: $0.05
  • Debits on Account: $0.10
  • Deposits: $0.25
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BUSINESS MONEY MARKET**

  • Minimum to Open: $2500.00
  • Minimum Daily Balance Required for No Service Charge: $2500.00
  • Accounts not meeting Balance Requirements: $8.00 per statement cycle
  • Minimum Daily Balance Required to Earn Interest: $2500.00
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BUSINESS SAVINGS ACCOUNT**

  • Minimum to Open: $100.00
  • Minimum Daily Balance Required for No Service Charge: $100.00
  • Accounts not meeting Balance Requirement: $5.00 per statement cycle
  • Minimum Daily Balance Required to Earn Interest: $100.00
  • Each Withdrawal or Debit after 6 per qtr: $1.00
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CERTIFICATES OF DEPOSIT & INDIVIDUAL RETIREMENT ACCOUNTS

  • Minimum to Open: $500.00
  • Interest can be credited to another account, paid by check or added back to account balance.
  • Interest can be paid monthly, quarterly, semi-annually or annually.
  • Withdrawals my be subject to penalties.

Terms available:

  • 30 days
  • 90 days
  • 180 days
  • 12 months
  • 18 months
  • 24 months
  • 36 months
  • 48 months
  • 60 months

** Federal regulations limit the number of withdrawals and/or transfers that may be made from a money market/savings account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your account each month or statement cycle by pre-authorized transfer, or telephone/PC transfer and if the account permits transfer by check or debit card.

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First National Bank of Decatur County
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