A $50.00 deposit is required to open this account. With Simply Free Business Checking, there is no minimum balance requirement. You are limited to 150 transactions* per statement cycle. With this account you may receive either an electronic statement or a paper statement, which will not include check images. Some fees may apply, please see fee schedule.
*A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items.
A $200.00 deposit is required to open this account. For a business Demand Deposit Account (DDA), a $1,000 minimum balance is required at all times to avoid a monthly maintenance fee of $5.00. Also, a fee of $5.00 will apply for each deposited item returned (chargeback). First National Bank is proud to offer image checking - meaning when you get your statement each month you will also receive copies of your cancelled checks, arranged in numerical order by check number. These statement pages arrive on pre-punched 8 1/2 " X 11" paper for easy storage in our statement binders, provided to you free for the asking! Bank certified copies of your checks are available to you if you need them.
A $200.00 deposit is required to open this account. For a commercial Demand Deposit Account (DDA), an analysis of your account based on average daily account balance, returned items, debits, checks, deposits and credit activity is analyzed and assessed a monthly fee. A fee of $5.00 will apply for each deposited item returned (chargeback). First National Bank is proud to offer image checking - meaning when you get your statement each month you will also receive copies of your cancelled checks, arranged in numerical order by check number. These statement pages arrive on pre-punched 8 1/2 " X 11" paper for easy storage in our statement binders, provided to you free for the asking! Bank certified copies of your checks are available to you if you need them.
You just deposit $1.00 to open this account. A minimum balance over $10.00 must be maintained to receive the current interest rate. Interest will be compounded every day and credited to your account every quarter. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Transfers to another account or to third parties by preauthorized, automatic, telephone or computer or by check, draft, or similar order are limited to six per monthly statement cycle. A service charge fee of $.25 will be charged for each withdrawal in excess of 12 during a quarter on balances under $500.00. Start saving today.
 First National Bank offers competitive rates on Certificates of Deposit, or CDs. They are available for maturity periods of 91 and 182 days, 12, 18, 30, or 36 months. Interest may be drawn out monthly, quarterly, semiannually, annually or at maturity. See our rate board for current rates of Certificates of Deposit from $1,000.00 to $99,999.99. The minimum balance required to open Certificates of Deposit with our posted rates is $1,000.00. Rates vary if Certificates of Deposit are less than $1,000.00. Call for rates on Jumbo Certificates of Deposits over $100,000.00. A penalty may apply for early withdrawal of Certificates of Deposit. Visit our nearest branch to learn more...we're just down the street in Camdenton, Osage Beach, Sunrise Beach and Lake Ozark.
 Use your business debit card to make purchases at any merchant displaying the VISA logo. Your debit card will have the authorized signer's name and the company name on the front of each card you request. The VISA Platinum Business Debit card will allow your business to easily transact business anywhere VISA is accepted and save the cost of checks. You present your card to the cashier and sign the receipt. Just tell the cashier to process the charge as a credit card. When you shop with the debit card, follow the same steps as a credit card. Instead of paying interest charges, your purchases are deducted right out of your bank account. All of the transactions will appear on your monthly bank statement with a reference to the merchant's name and date. Since this is a signature based only card, it is not available for use at an ATM machine.
- Debit card limit with signature on Point of Sale transactions- $2000
- ATM withdrawals
- non-applicable
- To use your debit card for
point of sale transactions, you must maintain a minimum balance of $50.
- If there is not enough money in the account to cover the purchase, the transaction will not go through.
- First National Bank Business debit card- no charge
- Replacement card- $5
If you would like to or are considering offering your customers the convenience of paying with their credit or debit card, then you will appreciate our merchant services. We provide credit authorization, data capture and fund settlements for a wide variety of credit cards. Contact us today to find out more about this service.
A $1,000.00 deposit will open your Money Market account at First National Bank. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest will be compounded every month and then credited to your account. A service charge fee of $20.00 will be imposed every statement cycle in which the balance in the account falls below $1,000.00 any day of the cycle. Transfers to another account or to third parties by preauthorized, automatic, telephone or computer or by check, draft, or similar order are limited to six per monthly statement cycle. An excess withdrawal fee of $25.00 will be charged for each debit transaction in excess of six during a statement cycle.
A $500.00 deposit will open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded every month and credited to your account every month. A service charge fee of $7.50 will be imposed every statement cycle if the balance in your account falls below $500.00 any day of the cycle.
Also, a fee of $5.00 will apply for each deposited item returned (chargeback).
It just takes a $1,000.00 deposit to open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest will be compounded every month and will be credited to your account every month. A service charge of $20.00 will be imposed every statement cycle if the balance falls below $1,000.00 any day of the cycle.
Also, a fee of $5.00 will apply for each deposited item returned (chargeback).
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Passbook Savings Account
NOW Account
