COMMERCIAL BANKING SERVICES Small Business Checking Are you a business that doesn’t have a lot of deposits and withdrawals each month? Then this account is designed for you. It carries no statement fee if you maintain a certain balance. No monthly maintenance fee with a monthly minimum balance of $3000 minimum. If the balance falls below $3000, the account incurs a $2.50 monthly service charge First 40 debits free/$.20 each thereafter First 25 credits free/$.20 each thereafter Monthly cycle with free-check safekeeping Free Debit Card Online Banking available at no charge Opening deposit of $100 Business Checking-Moderate Volume Consider this checking account if you have moderate amount of activity. Statement fee of $5.00 will be charged Transaction fee of $.10 per paper item A charge of $.10 per deposit Transaction fee of $.07 per deposited item There is a charge of $.04 per “on us” checks An earning credit is calculated on 91 day treasury bill rate on collected balance and applied as a reduction in charges Free Debit Card Online Banking available at no charge Minimum opening deposit of $500 Heavy Check Volume If you are a business with a large volume of checks, this may be the account for you. Statement fee of $7.00 will be charged Transaction fee of $.15 per paper item A charge of $.12 per deposit Clearing costs of $.07 per credit item There is a charge of $.04 per “on us” checks Free Debit Card Online Banking available at no charge Opening deposit of $750 Commercial NOW This account is designed to meet the needs of eligible businesses. No monthly maintenance charge for accounts with a balance of $2500 or more. Balances below the minimum incur a $7.00 per month service charge. First 35 transactions free/$.20 each thereafter Clearing cost of $.07 for each credit item There is a $.04 charge for “on us” checks Opening deposit of $100 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. Investors Money Market Account This account offers greater flexibility while you get more for your money. 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 (includes ATM withdrawals), no more than three by check or debit card, and debits in excess of six are $2 each. Free Debit Card Online Banking available at no charge Opening deposit of $1000 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. The terms of Regulation E do no apply to commercial debit cards. Regular Savings 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. 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     Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling.  The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. As defined in Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made."  Restricted transactions are prohibited from being processed through your account. For additional information or questions regarding Regulation GG or the UIGEA, please contact one of our customer service representatives Application for Checking and Savings Accounts Current Rates Application for Auto, Equipment, Term Loans and LOC 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