FREE CHECKING
Free first order of checks. No minimum balance. Free on-line banking/bill pay.

INTEREST CHECKING
Average balance of $2,000 or minimum balance of $1,000: no service charge. If balance falls below minimum: monthly service charge of $5 plus 30 cents per withdrawal. Interest rate is competitive.

MONEY MARKET CHECKING (THREE TIER)
1) Minimum balance of $999 earns competitive rates.
2) Balances of $1,000 - $2,499 earn a higher rate.
3) Balances of $2,500 and up earn premium rate.

Three withdrawals and three checks are allowed each month at no charge. Then $5 per check or withdrawal thereafter. If balance falls below minimum, $5 monthly service charge.

Visa Debit Card

Money when you need it, where you need it.  That's the ease and convenience of a FSNB debit card*.

• Use anywhere you see the VISA logo
• Purchases are automatically deducted from your personal checking account
• Faster, easier and more convenient than writing a check!

*All FSNB Debit cards are subject to approval.  Additional fees may be charged by FSNB to use Foreign ATMs.  Foreign ATM owners may also charge an additional fee. These fees vary by financial institution.

Regular Savings

Interest is compounded daily. Minimum opening deposit of $100. Two withdrawals allowed per month, additional withdrawals are $3 each. If balance falls below $100: monthly service charge of $3.

Certificates of Deposit

Offered for terms that range from 7 days to 10 years. Rates are always competitive. Check with the bank for current rate offerings.

Individual Retirement Accounts

Variable and fixed rats at competitive levels. Check with an FSNB counselor for specific IRA information.

Credit Cards

No annual fee. Low Variable Annual Percentage Rate

Our cards include a 25 grace day period (purchases), free balance transfer option, automatic payment/web pay option, auto rental insurance, fraud protection, $200,000 Common Carrier Insurance, and convenience checks.

Loan Services

PERSONAL LOANS
Loans are arranged for a variety of purposes, with terms and repayment always personalized to a customer’s particular needs.

AUTO LOANS
Rates are highly competitive and approvals are rapid. Always compare FSNB auto loan rates to any others before purchasing a car.

REAL ESTATE CONSTRUCTION LOANS
Development loans are available for both personal and business property. Please check with loan officer for particulars.

MORTGAGE LOANS
Competitive rates, hassle-free documentation, and fast approvals characterize FSNB mortgage loans on residential and commercial properties.

Personal Credit Lines

Like personal credit cards, interest is charged only on amounts actually used. Minimum payments are based on the balance outstanding and rates are always competitive.

SECURITYLINE
Overdraft protection available for those qualified customers who desire it. Securityline disburses money in $100 increments into approved customers’ accounts to cover checks presented against insufficient funds.

CREDITLINE
A personal line of credit from $5,000 to $25,000. Creditline comes with a special set of checks that can be used by approved customers at their discretion.

EQUITYLINE
A home equity loan that allows you to take the equity you’ve established in your home and turn it into a personal line of credit, available whenever you need it.

Other Personal Banking Services

To provide our customers with the finest in personal banking convenience, First Security National Bank offers a collection of financial services to complement any personal banking program, including personal investment alternatives, savings bonds, safe deposit boxes, traveler’s checks, cashier’s checks, night depository, 24-hour automatic teller (CIRRUS/STAR), direct deposit and more!

Online Banking

Access your Bank Online accounts 24 hours a day, 365 days per year! It’s simple. It’s automatic. With 24-Hour Banker Online you can check your account balance, get deposit and withdrawal information, see if a check has cleared, transfer funds, download account activity into your favorite personal financial management software, order checks and much more!

24-Hour Telephone Banking

First Security National Bank offers PhoneBank, our 24-Hour Telephone Banking System, for account information. Using your Account Number and Personal Identification Number, you may access your account for specific transaction information, or obtain general account information.