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Checking

Simply Free Checking

With Simply Free Checking, there is no minimum balance requirement. Receive paper statements without images or opt to receive eStatements with free Online Bill Pay.

Features:

  • Minimum to open: $50
  • Monthly minimum balance requirement: $0

Regular Checking

With Regular Checking, all that is required is a $300 minimum balance to avoid a monthly service charge of $5. Receive paper statements with images or opt to receive eStatements with free Online Bill Pay.

Features:

  • Minimum to open: $300
  • Monthly minimum balance requirement: $300
  • Monthly minimum balance fee (for monthly balances under $300): $5

NOW Account

Enjoy all of the privileges of a checking account while earning interest. Receive paper statements with images or opt to receive eStatements with free Online Bill Pay.

Features:

  • Minimum to open: $500
  • Monthly minimum balance requirement: $500
  • Monthly minimum balance fee (for monthly balances under $500): $8
  • Interest is compounded and credited monthly

Camdenton Laker and Osage Indian Checking

Show your support for your favorite hometown team while maintaining the convenience of any of our checking accounts!

Camdenton Laker Checking features your choice of five check designs with a customized Camdenton Laker Debit Card.

Osage Indian Checking features your choice of four check designs with a customized Osage Indian Debit Card.

Savings

Statement Savings

Open a Statement Savings account, earn interest and start saving today.

Withdrawal/Debits: 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.

Features:

  • Minimum to open: $100
  • Monthly minimum balance requirement: $100
  • Monthly minimum balance fee (for monthly balances under $100): $2
  • Transaction Fees: A fee of $.25 will be charged for each withdrawal/debit in excess of the above limitations per month.
  • Interest is compounded daily and credited quarterly

Kidí$ Dough Savings

A savings account specifically for our customers under the age of 18.

Withdrawal/Debits: 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.

Features:

  • Minimum to open: $25
  • Monthly minimum balance requirement: $0
  • Transaction Fees: A fee of $.25 will be charged for each withdrawal/debit in excess of the above limitations per month.
  • Interest is compounded daily and credited quarterly
  • This account converts to a Statement Savings account at the age of 18.

Money Market Account

Open a money market account and earn a higher rate of interest while maintaining the convenience of limited checking account privileges.

Withdrawal/Debits: 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.

Features:

  • Minimum to open: $1,000
  • Monthly minimum balance requirement: $1,000
  • Monthly minimum balance fee (for monthly balances under $1,000): $20
  • Transaction Fees: A fee of $25 will be charged for each withdrawal/debit in excess of the above limitations per month.
  • Interest is compounded and credited monthly

Certificates of Deposit

A Certificate of Deposit (CD) is for our customers looking to invest their money without the risk.

Features:

  • Terms ranging from 3 months to 60 months
  • Fixed rate during term
  • Penalty for withdrawal prior to maturity date
  • At maturity, the CD may renew for the same term automatically at the market rate at that time
  • Interest may be added to the principal amount, paid by check or deposited into another checking or savings account or transferred to another financial institution.
  • For CDs under 12 months, interest will be credited at maturity. For CDs 12 months or over, interest will be credited quarterly.

Online Banking & Bill Pay

Online Banking offers the convenience of banking anywhere, any time with Internet access.

Free Online Banking offers:

  • Real-time account information
  • The ability to download account information into Quicken, Microsoft Money or other financial software
  • Scheduled transfers between accounts
  • Check reorders
  • Initiate stop payments on checks

Bill Pay Benefits:
  • Pay bills conveniently online without the hassle of checks, envelopes and stamps
  • Schedule monthly recurring payments

Overdraft Protection

Quick Draw is a preapproved form of overdraft protection designed to help our customers avoid costly overdraft charges. For more details, contact us at any of our convenient locations.

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First National Bank

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