Basic Personal Account

$50.00 to open. Monthly statements are provided.

Basic Non-Personal Account

$50.00 to open. Monthly statements are provided.

Hometown Checking

Come home to valuable extras. Included in this package account is: Unlimited Checking, Free Checks, Interest On Checking, Fax Service, Visa, and Emergency Cash Advance Service. No fee for Travelers Checks,50% off Cashier's Checks and Money Orders. Free Safe Deposit Box for a year, Photo Copy Service, Passbook Savings, Individual Retirement Account, Direct Deposit, Free Notary Service and Bank-By-Mail.

Hometown Checking "50"

If you've reached age 50 and maintain a $100.00 minimum balance all of the benefits of Hometown Checking are yours. If you fall below $100.00, a monthly fee will apply.

NOW Accounts

$500.00 to open and maintain to draw interest at current rates; 20 checks are allowed per month; a per check fee is charged for each check over 20. If balance falls below $500.00, a monthly fee plus per check and per deposit fee will be imposed.

Super NOW Accounts

$1,000.00 to open and maintain to draw money market rates. Interest rates are set each Tuesday. If balance falls below $1,000.00, interest will be paid at a market-determined rate on the account balance, but a service charge will be imposed. 20 checks per month are permitted. The bank reserves the right to require 7 days notice for withdrawal.

Regular Passbook & Statement Savings

Traditional passbook savings accounts are available paying current interest rates, computed daily and paid quarterly. $20.00 required to open. Accounts with a balance below $250.00 are assessed a quarterly service charge. Minors, under 18, and customers age 62 and over, that notify the bank will have this charge waived. No interest is paid on balances below $20.00 and a charge is assessed on accounts closed less than six months after opening.

Personal Money Market Deposit Account

$1,000.00 to open and maintain to draw money market rates. Interest rates are set each Tuesday. Interest is paid and statements are issued on the 20th of each month. Six deposits and six withdrawals are permitted each month, with the crediting of interest counting as one deposit. If the balance falls below $1,000.00, a service charge is imposed and interest rates revert to a market determined rate. A charge per deposit or withdrawal exceeding six per month is imposed.

Non-Personal Money Market Deposit Account

$2,500.00 to open and maintain to draw money market rates. Interest rates are set each Tuesday. Interest is paid and statements are issued on the 20th of each month. Six deposits and six withdrawals are permitted each month, with the crediting of interest counting as one deposit. If the balance falls below $2,500.00, a service charge is imposed. A charge per deposit or withdrawal exceeding six per month is imposed.

Certificates of Deposit

Accounts which pay higher rates of interest for a specified period of time, ranging from 32 days to three years. Interest rates are fixed for the full term of the Certificate Interest can be paid monthly, quarterly, semi-annually, annually, or at maturity by check or by crediting to a savings, checking or money market account. Short term Certificates of less than one year require a $1,000.00 minimum deposit and longer term Certificates of one year and over require a $500.00 minimum deposit. All Certificates require a substantial penalty for early withdrawal and are automatically renewable.

Christmas Club Account

An account designed to help meet holiday expenses, our Christmas Club Accounts are available in weekly amounts of various denominations. You make 49 weekly deposits to the account and First National pays the 50th. Checks are issued in October for use during the holiday season.

Retirement Accounts

Individual Retirement Accounts (IRA's) are available to eligible depositors. Your deposit can be made to a Certificate of Deposit or to a Time Deposit Open Account. Our personnel are trained to assist you in determining your eligibility for an IRA and to help you design a plan to meet your retirement accounts. You may also be able to "roll-over" existing retirement funds into a First National account.

Personal Installment Loans

Competitively priced personal installment loans are available to help you meet many needs such as a car or truck, a vacation, home improvements, educational costs, and medical expenses. Payments are normally made monthly over time and are structured to meet your individual budget.

Mortgage Loans

Real Estate Loans are available to help you realize your dream of owning your own home. See one of First National's loan officers to review your needs and plan a mortgage accordingly.

Home Equity Loans

Home Equity Loans are available to help you consolidate debt, pay for vacations, college tuition, or for home improvement projects. We offer three Home Equity Loan products to suit your needs.

Commercial Loans

Secured and unsecured loans are available to all types of business entities. New equipment , working capital, and inventory expansion are but a few of the business needs which can be met with a First National Commercial Loan.

Visa

With a First National Bank Visa credit card, you have the ability to make purchases worldwide. For your convenience you will receive a monthly statement providing a summary of your charges, payments and the amount of available credit on your account. In addition, the prestige and increased purchasing capacity of Visa Gold.

"Bank On It"

You can now enjoy the convenience of telephone banking 24 hours a day. Our "Bank On It" service allows you to make balance inquiries, transfer funds or make loan payments. Call toll free 1-866-BLN-BANK or 1-866-256-2265.

Online Banking

Welcome to www.fnbblanchester.com. Make payments, view accounts balances, print statements, and transfer funds, all from the comforts of your home or office, 24 hours a day!

Overdraft Protection

With FNB Check Sure you can avoid those costly overdraft fees. Whenever your account reaches a zero balance you will be advanced a loan. Repayments are made on a monthly basis at the time of your statement.

VISA Debit Cards

With the VISA Debit Card you can make withdrawals, transfers and balance inquiries from your checking and savings accounts. Deposits can also be made at certain ATM's.You can use this card anywhere your VISA is accepted.

Safe Deposit Boxes

Protect your valuables by renting a safe deposit box. The bank offers boxes of various sizes and prices. Boxes are rented on an annual basis and are located in the main vault of the bank.