PERSONAL BANKING SERVICES eFirst Checking Introducing a rewarding and simple account for anyone with internet access. It carries no minimum balance requirement and there is absolutely no monthly maintenance fee. A generous interest rate is paid when you meet the following requirements: Must have Direct Deposit and a minimum of 2 ACH (electronic) debits per statement cycle Debit Card used a minimum of 15 times per statement cycle Must receive e-Statements Maximum of 5 checks written per statement cycle with 50 cent fee per check after the 5th check written. budgetFirst Checking So simple, maintain an average monthly balance of $200 OR sign up and receive eStatements in order to avoid monthly maintenance fee of $3. Unlimited Check Writing Free Debit Card Online Banking available at no charge Bill Payment available at no charge Images included in monthly statement Free enrollment in rewardsFirst Program superFirst Checking Make the most of your checking account dollars by earning interest with a Super Interest Checking account. No Monthly maintenance fee for accounts with an average daily balance of $3000. If the balance falls below this, a $7 statement fee with be applied Unlimited Check Writing Free Debit Card Online Banking available at no charge Opening Deposit of $3000 This account is an interest bearing account. The interest rate and Annual Percentage Yield are included in the Rate Chart. The interest rate and APY may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day. Interest will be compounded and credited to the account monthly. Investors Money Market Account This account offers greater flexibility while you get more for your money. This account is an interest bearing account. No monthly maintenance charge for accounts with a balance of $10,000 or more. Balances below the minimum incur a $10 per month service charge. Six free debits per month (include ATM withdrawals), no more than three by check or debit card, and debits in excess of six are $2 each. Debit card is available with this account, with all applicable charges. Online Banking available at no charge. Minimum opening deposit of $1,000 This account is an interest bearing account. The interest rate and APY may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day. Interest will be compounded and credited to the account monthly. Additional Checking Services Online Banking First National Bank offers the convenience of 24-hour Internet Banking. Anywhere you have Internet access you can access your account information. Online Banking allows you to access your accounts, check balances, transfer funds, download information into financial software programs and also features a bill payment option. Online Banking is available at no charge when you have a First National Bank checking account. www.bankhays.com Debit Card A First National Bank debit card provides a wide range of benefits including: 24 hour banking and checkless checking. With your First National Bank debit card you can make withdrawals, transfer funds between your checking and savings accounts and check your account balance. Present your debit card for purchases at any MasterCard merchant worldwide. The amount of your purchase will automatically be deducted from your checking account, just as if you’d written a check. A description of the transaction will appear on your monthly statement and you will receive a regular MasterCard sales receipt at the time of your purchase. Cash Reserve Cash Reserve is a special service that can be added to your First National Bank checking account, which may provide flexible spending for vacations, emergencies, car repairs, college expenses and more. If an emergency arises and you are short on cash, simply write a check or use your debit card and enjoy the security of knowing that First National Bank will honor it up to your available credit limit. Your cash reserve account is activated automatically and sufficient funds are deposited into your account. Your activated cash reserve account operates in much the same way as a credit card. You have pre-authorized credit limit, an APY of interest is charged based on your average daily balance and when your bank statement is printed we will deduct the interest and principle on the following day from your checking account. saveFirst Account This account offers a simple way to enjoy the benefits of compound interest. No monthly maintenance fee if balance remains above $200; $1 monthly maintenance fee if balance falls below $200. A minimum balance fee is waived if all parties are students under 18 or individuals over 62. Six free withdrawals per month, additional withdrawals are $1 each. Online banking available at no charge Periodic statements for this account are mailed quarterly, or a snapshot is mailed when electronic transactions occur during the month. Can be combined with your monthly checking account. This account is a variable rate account which features an interest rate and Annual Percentage Yield that are subject to change daily at the bank’s discretion. Interest is compounded and credited monthly. The interest begins to accrue no later than the business day we receive credit for the deposit for non-cash items. We use the daily balance method to calculate the interest on the account. This method applies a daily period rate to the collected principal in the account each day. Certificates of Deposit Term  Minimum Deposit 3 Month $1000.00 Minimum 6 Month $1000.00 Minimum 12 Month $1000.00 Minimum 15 Month $1000.00 Minimum 24 Month $1000.00 Minimum 30 Month $1000.00 Minimum 36 Month $1000.00 Minimum 60 Month $1000.00 Minimum These are interest bearing accounts. The interest rate and APY will depend upon the daily balance in the account. The interest rate and APY will not change for the term of the account. Interest can be paid monthly by check, to another account that you designate or added to the CD Interest begins to accrue on the business day you deposit non-cash items On automatically renewable CD’s, you have a 10 day grace period to withdraw funds without being charged a penalty Interest will not be paid on non-automatically renewable CD’s after maturity Minimum penalty for early withdrawal Application for Checking and Savings Accounts Current Rates Application for Individual Retirement Accounts Current Rates Application for Personal, Home Equity, or Auto Loan Calculators   Hays Locations 1100 Fort St 785.628.2400 The Mall 2918 Vine St 785.628.1800 Plainville Location 113 W Mill St 785.434.2809   Privacy and Security | Disclosures | USA Patriot Act | Contact Us