Checking
What checking account(s) get free money orders and cashiers checks?
Ultimate and Prestige Platinum
What is the minimum required deposit to open a savings account?
$25
(If balance falls below $100, the customer is subject to a service charge. Bank policy and Reg D apply)
How much is Bill Pay per transaction? What account is exempt?
$0.50 per transaction
Prestige Platinum - FREE
How much to we charge customers for research?
$2 per page/plus $20 per hour
How many branches does FNBFS have?
Thirteen
Which checking accounts are free even with paper statements?
Prestige Platinum and HSA
On a regular savings, how many ACH, telephone, or online banking transfers/transactions are allowed per month?
Six
How much do we charge for notary services?
Free to our customers.
We don't notarize for non-customers.
What is the account closing fee if an account is closed within the first 90 days?
$25
(First Savers excluded)
How many offsite ATMs does FNBFS have?
Four
Which checking account(s) gets free online bill pay?
Ultimate (if they have estatments), Prestige Platinum
What happens on a regular savings if the balance falls under $100?
There is a charge per withdrawal in excess of six per quarter. (Not per month)
($1.00 per w/d if excess of six per quarter. Even over the counter w/d.)
Visa gift cards can be purchased in what dollar amounts?
What is the fee for the gift cards?
$20-500
$4.50 per card
What are some of our non-customer services/fees?
Tax refund checks 3% (minimum of $15, maximum of $100)
Do we charge for checks printed in-house?
If they are sent to branch - No
If mailed to customer (by manager approval only) - $5
Which checking account(s) should we offer if a customer is interested in earning interest on their checking account?
Prestige Platinum, MAX
(HSA also earns interest)
What is the minimum opening deposit for a Money Market Savings?
$1,000
(If they fall below $1,000, there is a $7/month charge.)
What are two of the eligibility requirements for Mobile deposit?
Mobile Deposit is available to customers who have:
Enrolled in Mobile Banking.
Downloaded the most recent iPhone or Android App.
An active deposit account for 90 days with a positive average balance (all checking and savings accounts qualified)
No returned deposited items (chargebacks) in the last 90 days. (Small Businesses no more than 2 chargebacks in the last 90 days.)
Demonstrated financial responsibility with all accounts
Applications are processed by the eBanking Department to ensure the customer meets these qualifications prior to providing the customer access to Mobile Deposit.
What is the fee for Money Orders/Cashiers checks if the customers account doesn't provide them for free?
$5 per MO/CC
(Money orders good up to $1,000)
What is the monthly fee for a Basic Business Checking and Small Business Checking?
Basic - FREE (fewer than 100 items), $3 paper fee
Small Business - First 200 items free, 0.50 per item after 200 ($9 per month if balance falls below $5,000)
What is the balance requirement for a Prestige Platinum, MAX, and/or an HSA account?
Prestige Platinum $5,000
MAX $1,000 or meet rate requirements
HSA $5,000
What is the minimum age required to open an IRA at First National?
18 - (To enter into a legal/binding contract)
What are two services provided through Cash Management?
Online Balance Reporting
Account Balances
Internal Transfers
Wire Transfers
Stop Payments
Direct Deposit
Direct Payment
Positive Pay
Account Reconciliation
How much are endorsement stamps for Commercial customers?
$8
How much do we charge non-profit checking customers?
No charge.