First National Bank

Main Office
206 South First St.
Pulaski, TN 38478
Tel: 866-363-2585
Fax: 931-363-7574

Checking Accounts

Regular Checking

For individuals, corporations and organizations who maintain a $600 minimum balance.

  • Unlimited Check Writing/Transactions
  • Minimum Opening Deposit - $100
  • Monthly Image Statements
  • No Fees with minimum daily balance of $600*
  • ATM or CHECKCard Available
  • 24-Hour Banking via ATM and Telephone

Free Checking

Hassle-Free Checking...Just For You!

We believe that banking services should be designed to fit your lifestyle. Your checking account should be a convenience, not a hassle.

  • NO Monthly Fee
  • NO Minimum Balance
  • NO Per-Item Charge
  • LOW Opening Deposit of $50.00

There is no minimum balance to worry about and no monthly service fee to pay. You can write as many checks as you need without incurring any excess activity charges.

One Account

A personal account providing unlimited check writing, plus a package of valuable benefits including personalized checks...for one low monthly fee.

  • Unlimited Check Writing/Transactions
  • Minimum Balance - None
  • Minimum Investment - $100.00
  • Personalized Checks at no additional charge
  • Monthly Image Statements
  • LOW Monthly Fee*
  • ATM or CHECKCard Available
  • 24-Hour Banking via ATM and Telephone
  • $10,000 Accidental Death and Dismemberment Insurance
  • Credit Card Protection
  • Medical Emergency Data Card
  • Travel and Entertainment Discounts
  • Grocery Coupons
  • Key Ring Registration
  • No issue charge for Travelers Checks, Cashiers Checks and Money Orders
  • Notary Service at no additional charge

ONE Plus Account

Offers families every advantage of the ONE Account...plus much MORE!

  • LOW Monthly Fee*
  • $30,000 Accidental Death and Dismemberment Insurance
  • $2,500 Dependent Child Coverage
  • KidCare Child ID Program
  • Access to College Scholarship Database
  • Discounts on Car Rentals, Movies and Theme Parks
  • Exclusive Travel Reservation Service
  • Low Long Distance Rates

Special Checking

For those who write only a few monthly checks, carry a small balance and desire a low monthly fee.

  • Minimum Deposit of $100
  • Check Writing up to 15 per month, a per-item fee will be charged for additional checks*
  • Low Monthly Fee*
  • Monthly Image Statements
  • ATM or CHECKCard Available
  • 24-Hour Banking via ATM and Telephone

Heritage Club

A checking account designed specifically for customers age 50 and over.

  • Unlimited Check Writing/Transactions
  • No Monthly Fee* with a minimum $1,000 in deposits and/or loans*
  • Monthly Image Statements
  • ATM or CHECKCard Available
  • 24-Hour Banking via ATM and Telephone
  • Notary Service at no additional charge
  • No issue charge for Travelers Checks, Cashiers Checks and Money Orders
  • Discount on Safe Deposit Boxes
  • Quarterly Newsletters
  • Regular Updates on Seminars and Socials
  • Heritage Club Group Travel Opportunities

NOW Account

An interest-bearing checking account for individuals, sole proprietorships, government agencies and non-profit organizations.

  • Unlimited Check Writing/Transactions
  • Earn Interest receive a variable rate of interest on your balance each month
  • Monthly Image Statements
  • No Monthly Fee* with a minimum daily balance of $1,500, a service charge and per-check fee will be applied to balances falling below $1,500 during the month.*
  • ATM or CHECKCard Available
  • 24-Hour Banking via ATM and Telephone

Convenient Banking...'Round The Clock

Access account information through the following options.

  • 24-Hour Telephone Banking - gives you access to checking and savings account information ... or transfer funds. Written authorization may be required for certain transactions.
  • 24-Hour ATM/CHECKCard Banking - withdraw cash, make deposits, transfer funds, get checking and savings account information and more at any FNB ATM and thousands of ATMs worldwide displaying MONEYBELT, Cirrus and Pulse logos. Use your First National ATM/Checkcard to pay for goods and services at participating merchants, including locations displaying the VISA logo.
  • Internet Banking - you are able to bank and access account information via your personal computer.

Ask About These Other Convenient Services

  • Direct deposit
  • Automatic bill payments
  • Wire transfers
  • Credit Card
  • Cashiers Checks, Travelers Checks and Money Orders

*See Schedule of Fees, or talk to a First National Bank customer service representative

Choose A Checking Account That Fits YOUR Needs.

    
 

  This Account is For You If... Minimum Opening Balance Monthly Service Charge Check Writing Special Features
Regular Checking You write a lot of checks $100, less with approval None for balances of at least $600* Unlimited ATM or CHECKCard available, monthly image statements
ONE Account You want flexibility and many banking benefits for a consistent monthly fee $100 Flat Fee*  Unlimited Free Checks, ATM or CHECKcard available, monthly image statements, plus a host of FREE individual convenience and banking benefits
ONE Plus Account You want flexibility and FAMILY banking benefits for a consistent monthly fee $100 Flat Fee* Unlimited Free Checks, ATM or CHECKcard available, monthly image statements, plus a host of FREE family benefits
Special Checking You write a few checks and want a low monthly fee $100 Our lowest monthly Fee*  Up to 15 checks a month, per item charge for each additional check ATM or CHECKcard available, monthly image statements
Heritage Club  You are age 50+ and want special bank / social benefits Must maintain $1000 total in deposits, loans and investments None for banking relationships of at least $1000* Unlimited ATM or CHECKcard available, monthly image statements, notary service, travelers and cashiers checks at no issue charge, newsletters, FNB group travel opportunities
NOW Account You maintain higher account balances and desire higher interest  $1500 None for balances of at least $1500* Unlimited ATM or CHECKcard available, monthly image statements