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BANKING SERVICES

Non Interest Accounts

SECURE CHECKING
  • Minimum to open: $100
  • $10.00 Service Fee per statement cycle
  • Identity theft protection*
  • Cell phone protection*
  • Accidental death insurance*
  • Itemized monthly statement with imaged items
  • Unlimited transactions
  • Internet Banking
  • Bill Pay Available*
*Ask New Account Representative for additional benefits.


E- CHECKING
  • Minimum to open: $100
  • Service Fee: $0
  • Itemized monthly statement with imaged items
  • Unlimited transactions
  • Internet Banking
  • E-Statements Only
  • Bill Pay Available*

BENEFITS CHECKING
  • Minimum to open: $100
  • Minimum balance to avoid fee: $100
  • $2.00 fee if balance falls below minimum any day of statement cycle
  • Itemized monthly statement with imaged items
  • Unlimited check writing
  • Internet Banking
  • Bill Pay Available*
  • Must have direct deposit of monthly government issued benefits

INDIVIDUAL CHECKING
  • Minimum to open: $100
  • Minimum balance to avoid fee: $600
  • $10.00 fee if balance falls below minimum balance any day of statement cycle
  • Itemized monthly statement with imaged items
  • Internet Banking
  • Bill Pay Available*
  • A per item fee of $.10 will be charged for each debit in excess of 30 during a statement cycle.   

BUSINESS E-CHECKING

  • Minimum to open: $100
  • Minimum balance to avoid fee: $600
  • $10.00 fee if balance falls below minimum balance any day of statement cycle
  • Itemized monthly statement with imaged items
  • Internet Banking
  • E-Statements Only
  • Bill Pay Available*
  • A per item fee of $.05 wil lbe charged for each deposit item in excess of 150 during a statement cycle. A per item fee of $.12 will be charged for each debit item in excess of 50 during a statement cycle.

BUSINESS CHECKING
  • Minimum to open: $100
  • Minimum balance to avoid fee: $1,000
  • $25.00 fee if balance falls below minimum balance any day of statement cycle
  • Itemized monthly statement with imaged items
  • Internet Banking
  • Bill Pay Available*
  • A per item fee of $.10 will be charged for each deposit item in excess of 150 during a statement cycle. A per item fee of $.25 will be charged for each debit item in excess of 50 during a statement cycle.

Interest Accounts
   
INDIVIDUAL SUPER NOW
  • Minimum to open: $1,000
  • Minimum balance to avoid fee: $1,000
  • $20.00 fee if balance falls below minimum balance any day of statement cycle
  • Monthly interest – Contact a Customer Service Representative for rate information
  • Itemized monthly statement with imaged items
  • Internet Banking
  • Bill Pay Available*
  • A per item fee of $.25 will be charged for each debit item in excess of 20 during a statement cycle.
BUSINESS INTEREST CHECKING
  • Minimum to open: $1,000
  • Minimum balance to avoid fee: $5,000
  • $25.00 fee if balance falls below minimum balance any day of statement cycle
  • Monthly interest - Contact a Customer Service Representative for rate information
  • Itemized monthly statement with imaged items
  • Internet Banking
  • Bill Pay Available*
  • A per item fee of $.10 will be charged for each deposit item in excess of 150 during a statement cycle. A per item fee of $.25 will be charged for each debit item in excess of 50 during a statement cycle.
INDIVIDUAL SAVINGS

  • Minimum to open: $100
  • No Quarterly Service Fee if balance is $100 or more
  • Service Fee: $3.00
  • Quarterly interest – Contact a Customer Service Representative for current rate
  • Quarterly statement
  • Limited transactions*
  • Internet Banking
*Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties. A per item fee of $3.00 will be charged for each withdrawal in excess of six per statement cycle.

BUSINESS SAVINGS
  • Minimum to open: $100
  • No Quarterly Service Fee if balance is $1,000 or more
  • Service Fee: $5.00
  • Quarterly interest - Contact a Customer Service Representative for current rate
  • Quarterly statement
  • Limited transactions*
  • Internet Banking
*Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties. A per item fee of $5.00 will be charged for each withdrawal in excess of six per statement cycle.


*BILL PAY - $.75 PER DEBIT ITEM OVER 6. ITEMS ARE ACCUMULATIVE PER INTERNET BANKING LOGON AND CHARGED AT MONTH END*


CERTIFICATES OF DEPOSIT
  • $1,000 minimum deposit to open account
  • Maturity terms available from 3 month to 5 years
  • Fixed interest rate on daily balance until maturity
  • Interest may accumulate in the CD, can be automatically deposited it to a First National Bank checking, savings or money market account, or we can mail you a check
  • Additional deposits are not allowed until maturity
  • Automatically renewable for existing term
  • Maturity notices are mailed prior to maturity date
  • Early withdrawal penalties apply
  • Call a Customer Service Representative for current rates

INDIVIDUAL RETIREMENT ACCOUNT

  • $1,000 minimum deposit to open account
  • Maturity term 12 months
  • Interest earned will be credited to the balance quarterly
  • Additional deposits are allowed during the term
  • Automatically renewable
  • Maturity notices are mailed before maturity date
  • Early withdrawal penalties apply
  • Call Customer Service Representative for current rates    
*All accounts may be subject to additional fees.


LOANS
The First National Bank of Hughes Springs is here to meet your financial needs. We offer a variety of lending products with competitive rates ranging from consumer, mortgage and commercial loans. Our personalized lending will help you and your families achieve your future goals. Furthermore, our credit decisions are made on site, so there will be no wait. Come by any of our locations to see our friendly professionals for your lending needs and receive the highest quality of customer service.
 
 
SAFE DEPOSIT BOXES
Safe deposit box rental – 2 x 5        15.00*
Safe deposit box rental – 3 x 5        20.00*
Safe deposit box rental – 3 x 8        25.00*
Safe deposit box rental – 3 x 10      30.00*
Safe deposit box rental – 4 x 10      30.00*
Safe deposit box rental – 5 x 5        25.00*
Safe deposit box rental – 5 x 10      40.00*
Safe deposit box rental – 6 x 10      40.00*
Safe deposit box rental – 8 x 10      46.00*
Safe deposit box rental – 9 x 9        46.00*
Safe deposit box rental – 10 x 10    70.00*
*(not all box sizes available at all locations)
 
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Copyright 2008 - FNB Hughes Springs