Personal Regular Checking

• Minimum to open $100.00.
• Average daily balance below $750.00 will be assessed a monthly maintenance fee of $7.50.

Personal Value Checking

• Minimum to open $50.00.
• No minimum balance requirements.
• Monthly maintenance fee of $3.00.

Senior Regular Checking
(Age 50 and over)

• Minimum to open $50.00.
• No minimum balance requirements.
• No maintenance fee.
• Unlimited transactions.

Personal School Pride

Students, teachers and staff from area high schools and colleges are eligible for this free checking account
(Students under 18 must have a parent or guardian on the account. A Personal Guarantee is required from a parent on Debit Card with a $250.00 limit.)

• Minimum to open $20.00.
• No Monthly  maintenance or activity fee (EStatements only)
• No per check fee
• Free Online Banking with Bill Pay
• MasterCard Debit card with no activity charges at our ATMs (with parent signature)
• MasterCard Debit card use at other ATM network may trigger a fee
• First Order of “School Pride” checks free – (School Pride checks are school specific with colors and mascot)

Personal Patriotic

All Military personnel and their families can open a free checking account with appropriate service ID. You do not need to be active duty.

• Minimum to open $50.00
• No Monthly  maintenance or activity fee (EStatements only)
• No per check fee
• Free Online Banking with Bill Pay
• MasterCard Debit card with no activity charges at our ATMs
• MasterCard Debit card use at other ATM network may trigger a fee
• First Order of “Patriotic” checks free

Personal Senior Achiever

Customers 50 years of age & over have achieved the ability to participate in this account.

• Minimum to open $100.00.
• A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily ledger balance for the monthly statement cycle falls below $1,000.00.
• Balances $1,000.00 and above will earn interest at the current rate for each tier:
  

  $1,000.00-9,999.99	Interest earned at current rate.
  $10,000.00-49,999.99	Interest earned at current rate.
  $50,000.00-99,999.99	Interest earned at current rate.
  $100,000.00-249,999.99	Interest earned at current rate.
  $250,000.00 and over	Interest earned at current rate.

• Free Personalized Achiever Checks & Bank Checks.
• Safe Deposit Box – 50% discount the first year.
• Refer to the account disclosure information for precise terms and conditions.
• Average daily balance computation method – We use the average daily balance method to calculate the interest on accounts. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Accrual of interest or noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Personal Money Market

• Minimum to open $1,000.00.
• A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily ledger balance for the monthly statement cycle falls below $1,000.00.
• A Reg D excessive transaction fee of $10.00 will be charged for each debit transaction in excess of six per statement cycle.
• Balances $1,000.00 and above will earn interest at the current rate for each tier:
  

  $1,000.00-9,999.99	Interest earned at current rate.
  $10,000.00-24,999.99	Interest earned at current rate.
  $25,000.00-49,999.99	Interest earned at current rate.
  $50,000.00-74,999.99	Interest earned at current rate.
  $75,000.00-99,999.99	Interest earned at current rate.
  $100,000.00-249,999.99	Interest earned at current rate.
  $250,000.00 and over	Interest earned at current rate.

• Transaction limitations: Transfers from a money market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle, with no more than six by check or similar order to third parties.
• Average daily balance computation method – We use the average daily balance method to calculate the interest on accounts. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Accrual of interest or noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Personal First Preferred

• Minimum to open $500.00.
• A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily ledger balance for the monthly statement cycle falls below $1,000.00.
• Balances $1,000.00 and above will earn interest at the current rate for each tier:
  

  $1,000.00-9,999.99	Interest earned at current rate.
  $10,000.00-24,999.99	Interest earned at current rate.
  $25,000.00-49,999.99	Interest earned at current rate.
  $50,000.00-74,999.99	Interest earned at current rate.
  $75,000.00-99,999.99	Interest earned at current rate.
  $100,000.00-249,999.99	Interest earned at current rate.
  $250,000.00 and over	Interest earned at current rate.

• Refer to the account disclosure information for precise terms and conditions.
• Average daily balance computation method – We use the average daily balance method to calculate the interest on accounts. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Accrual of interest or noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

All First National Bank Northwest Florida products and services are subject to applicable customer agreements, terms, conditions, disclosures, and application requirements.  Contact a Customer Service Representative for additional information and details.