First National Bank

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

Savings and Investments

Make The Most Of Your Money

There's nothing more satisfying than putting your money to work for you. And when you open a First National savings or investment account, you can put more than 60 years of experience to work on your behalf. Plus, you can rest easy knowing your money is FDIC insured for up to $100,000.

Savings Account

Whether you are just starting a savings plan, or you wish to earn interest on easy-access, no minimum balance funds, First National Bank has an interest-bearing account for you.

  • Minimum Opening Balance - $100 (Kid's Klub - $25)
  • ATM Access - if you also have an FNB checking account, you can make savings account withdrawals through our FNB ATMs or any MONEYBELT, Cirrus and Pulse network ATMs. (Fees may be charged by other banks for using their ATM. FNB offers a refund of foreign fees with a receipt, up to 4 transactions monthly).
  • Interest Earnings - calculated on daily balance and credited quarterly
  • Withdrawals - six allowed per quarter at no charge*
  • Detailed Account Statements - mailed quarterly
  • Service Charge - no charge for account balances of $100 and above*

Insured Money Market Investment Account (IMMI)

You want to earn a higher interest rate, yet retain easy access to your money. Take advantage of an account that provides the freedom of unlimited access via teller window and mail request. This account features:

  • Minimum Balance - $2,500 minimum for individuals and $5,000 minimum for businesses
  • ATM Access - if you also have an FNB checking account, you can make savings account withdrawals through our FNB ATMs or any MONEYBELT, Cirrus and Pulse network ATMs. (Fees may be charged by other banks for using their ATM. FNB offers a refund of foreign fees with a receipt, up to 4 transactions monthly).
  • Interest Earnings - rates can fluctuate daily; interest assessed on total account balance and credited monthly
  • Monthly Image Statements - simplify reconciling your withdrawals and account balances
  • Transactions - unlimited via teller window and mail request
  • Withdrawals - no charge for first six withdrawals; per-item fee for additional withdrawals*
  • Service Charge - a fee will be charged to account balances that fall below the minimum balance

Certificates of Deposit

If you want to earn a higher-than-average interest rate, check into a First National CD. You can select CDs ranging from 30 days to 5 years, earning varied rates.

  • Minimum Investment - $500
  • Rates - interest rates set according to amount and term
  • Access to Interest Earnings - receive your interest by direct deposit into any First National account, or by a monthly, quarterly, semi-annual or annual check
  • Automatic Renewal - available on select CDs. Renewal options sent by mail allow you to renew your CD at the new rate, without a trip to the bank
  • Service Charge - penalty for early withdrawal*

Liquid Funds Account

For premium interest rates, limited check writing ability, and totally liquid deposit/withdrawal flexibility, consider opening a Liquid Funds account.

  • Minimum Investment - $5,000
  • Service Fee - No monthly fee for balances of $5,000 or more.*
  • Check Writing/Transactions - access funds with up to six transactions per month, including three checks. Fees charged for additional transactions.
  • Interest Rates - interest rates are tiered according to balance, with higher balances earning higher rates. Balances falling below $5,000 will not earn interest and will be subject to a fee.
  • Account Transfers - possible via 24-Hour Telephone Banking with customer's written authorization

Retirement Accounts

Planning for retirement is one of the most important steps you can take to secure your financial future. Let First National help you establish an IRA, a Roth IRA, an Education IRA or a Simplified Employee Pension (SEP). Your contributions could allow you to lower your current tax bill. Plus, you may be able to realize greater earnings than with a non-retirement account. (See a qualified financial adviser for tax advice unique to your situation.)

Banking At Your Convenience

You can access your savings and investment accounts through the following time-saving options:

  • 24-Hour Telephone Banking
  • 24-Hour ATM/CHECKCard Banking - if you have an FNB checking account, you can withdraw cash, make deposits, transfer funds and get account information at any FNB ATM. Withdraw cash from thousands of ATMs worldwide displaying the MONEYBELT, Cirrus and Pulse logos
  • Bank-by-Mail - special First National pre-addressed envelopes make deposits, cash withdrawals and other banking transactions convenient by mail
  • Internet Banking - access account information and do banking with your home or office computer.

Ask About These Other Convenient Savings and Related Products

  • Christmas Club Accounts - a convenient 12-month savings plan
  • NOW Interest-Bearing Checking Accounts - for higher deposit balances
  • Brokerage Services - for all your investment advice and transactions (Brokerage Accounts not insured by FDIC)
  • Safe Deposit Boxes - in a variety of sizes for your stocks, CDs, valuable documents and other items

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