First National Bank

• Mortgage
•     Online Mortgage Center
•     Home Equity Line of Credit
•     Home Improvement Loans
• Personal Loans
• Deposit Rates
• Checking Accounts
•     Step One Personal Payment Account
•     Step Two Personal Payment Account
•     Step Three
       Personal Payment Account
• Savings Accounts
•     First Steps Kid Savings
•     Step One Personal Savings
•     Step Two Personal
       Money Market Savings
•     Step Three Personal
       Money Market Savings
•     Health Savings Account
• iSave
• Certificate of Deposit
• Individual Retirement Account

First Steps Kid Savings

At First National Bank, we believe you are never too young to start saving for the future. That's why we've developed an account to make it easy for kids and teens to get a head start on savings. With no minimum balance requirement and a competitive interest rate, kids can make up to three withdrawals per month with no monthly service fees. Put your kids first at First National Bank. See First National Bank for more program details and benefits.

• For kids 0-18 years of age
• No minimum to open
• No minimum balance
• No monthly service charge
• Interest paid monthly
• Free statement per statement cycle
• Free Internet Banking
• Free BillPay
• Excess transaction fees apply

Step One Personal Savings

Our Step One Personal Savings is an ideal choice if you want fast, easy access to your funds. It offers the safety of a secure savings vehicle while earning a competitive interest rate that compounds monthly.

• $50 to open
• $50 minimum balance
• $3 monthly service charge if balance falls below $50
• Interest paid monthly
• Free statement per statement cycle
• Free Internet Banking
• Free BillPay
• Excess transaction fees apply

Step Two Personal Money Market Savings

If you carry large balances in checking or savings accounts and desire a more competitive money market interest rate in a liquid account, try our Step Two Personal Money Market Savings.

• $100 to open
• $2,500 minimum balance
• $15 monthly service charge if minimum balance is not maintained
• Tiered rate
• Free statement each statement cycle
• Free Internet Banking
• Free BillPay
• Excess transaction fees apply
• Federal regulation limits the number of transfers to another account or to third parties by pre-authorized, automatic, telephone, computer or check writing from this account to six (6) per month. An excess fee of $10 will be charged for each debit transaction in excess of the limitations.

Step Three Personal Money Market Savings

• $100 to open
• $40,000 minimum balance
• $25 monthly service charge if minimum balance is not maintained
• Tiered rate
• Free statement each statement cycle
• Free Internet Banking
• Free BillPay
• Excess transaction fees apply
• Federal regulation limits the number of transfers to another account or to third parties by pre-authorized, automatic, telephone, computer or check writing from this account to six (6) per month. An excess fee of $10 will be charged for each debit transaction in excess of the limitations.

Health Savings Account (HSA)

Health care is the number one issue facing many individuals and families in the United States. A Health Savings Account from First National Bank offers eligible individuals who participate in a high-deductible health plan an affordable alternative to the rising costs of health care.

The HSA (Health Savings Account) offers individuals and families many benefits, including the ablility to keep the money in your account and save towards retirement.

Here are some great reasons to open a Health Savings Account with First National Bank:

• Tax savings
• Interest earned
• Reduced insurance premium
• Long term savings
• Portability - the account moves with you

Product availability may vary by First National Bank location.