| The First National
Bank offers a wide variety of deposit products including:
E-Business Checking
Our e-Business Checking account has been designed
with today's small business owners in mind - those who utilize the benefits
of today's modern technology. We offer our free Online Banking and
Bill Pay services in conjunction with a business checking account that has
no minimum balance requirement, no monthly service charge, and allows you to
process low-volume paper transactions without fees.
| Monthly Maintenance Fee |
FREE |
| Online Banking |
FREE |
| Online Bill Payment |
Unlimited |
| On-Us Deposited Items |
Unlimited |
| ACH Credits and Debits |
Unlimited |
| Foreign Items Deposited |
Up to 50 Per Month* |
| Deposits |
Up to 20 Per Month* |
| Paper Checks |
Up to 20 Per Month* |
| *Deposits greater than 20 |
$1.00 per deposit |
| *Paper checks written
after 20 |
$.45 per check |
*Foreign items deposited
greater
50 per month |
$.45 per item |
Commercial Checking
The First National Bank of Ottawa's checking
account gives you credit for balances to offset account service fees.
- Your balance qualifies you for valuable earnings
credit
- Commercial Checking Fees
| Monthly Maintenance Fee |
$9.85 |
| Fee Per Deposit |
.45 |
| Fee Per Debit |
.15 |
| Fee Per ACH Debit |
.03 |
| Fee Per Item Deposited (On Us) |
.09 |
| Fee Per Item Deposited (Foreign) |
.17 |
| Per Negative Collected Balances |
Prime + 6% |
- Service fees can be reduced or eliminated
through through an Earnings Credit for balances kept on deposit
- Account activities, including images of canceled
checks are provided in a timely monthly statement
- Additional services are available to tailor your
account to your needs, including a monthly account analysis
- Automated payroll service available
Commercial NOW Account Checking
An interest-bearing checking account that is
offered exclusively to sole proprietorships and other qualified businesses..
- Commercial NOW Account Fees
| Monthly Maintenance Fee |
$9.85 |
| Fee Per Deposit |
.45 |
| Fee Per Debit |
.15 |
| Fee Per ACH Debit |
.03 |
| Fee Per Item Deposited (On Us) |
.09 |
| Fee Per Item Deposited (Foreign) |
.17 |
| Per Negative Collected Balances |
Prime + 6% |
- Your collected funds generate interest for you
- Write checks to access funds
- Unlimited access to deposited funds
Non-Profit Checking
An interest-bearing account tailored for our
Non-Profit customers.
- No monthly service charges
- Your liquid funds generate interest for you
- Write checks to access funds
- Unlimited access to deposited funds
Deposit Sweep and Cash
Management Balance Accounts
Deposits are automatically transferred into
interest-bearing accounts.
- Maintain balances at predetermined levels
- Provides income on excess funds and eliminates
surplus cash positions
- Client can maintain balances that are sufficient
to offset service charges
- Funds can be combined in one account to
facilitate cash management process
- Integrates with lines of credit to offset cash
deficits
- Automates cash management via secured, internet
access
Commercial Savings
Accounts
An interest-bearing deposit account with access to
funds.
- Interest is compounded daily and credited
quarterly
- Low minimum balance requirement
- Money may be invested for any length of time
- Transaction limitations may apply
Commercial Money Market
An investment account with lower minimum balance
requirements that provides liquidity and earnings.
- Earn interest and gain easy access to funds
- Interest accrues daily and is paid monthly
- Limited check writing privileges with regulatory
restrictions on transactions
- Receive detailed monthly statements on account
activity
|
FirstPhone - (866)-434-0044
