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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.
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Monthly Maintenance Fee |
FREE |
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Online Banking |
FREE |
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Online Bill Payment |
Unlimited |
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On-Us Deposited Items |
Unlimited |
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ACH Credits and Debits |
Unlimited |
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Foreign Items Deposited |
Up to 50 Per Month* |
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Deposits |
Up to 20 Per Month* |
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Paper Checks |
Up to 20 Per Month* |
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*Deposits greater than
20 |
$1.00 per deposit |
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*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.
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Your balance qualifies you for
valuable earnings credit
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Commercial Checking Fees
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Monthly Maintenance Fee |
$9.85 |
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Fee Per Debit |
.20 |
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Fee Per ACH Debit |
.03 |
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Fee Per Item Deposited
(On Us) |
.12 |
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Fee Per Item Deposited
(Foreign) |
.19 |
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Per Negative Collected
Balances |
Prime + 6% |
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Service fees can be reduced or
eliminated through through an
Earnings Credit for balances
kept on deposit
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Account activities, including
images of canceled checks are
provided in a timely monthly
statement
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Additional services are
available to tailor your account
to your needs, including a
monthly account analysis
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Automated payroll service
available
Commercial NOW
Account Checking
An interest-bearing checking account
that is offered exclusively to sole
proprietorships and other qualified
businesses..
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Commercial NOW Account Fees
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Monthly Maintenance Fee |
$15.00 |
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Fee Per Debit |
.20 |
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Fee Per ACH Debit |
.03 |
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Fee Per Item Deposited
(On Us) |
.12 |
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Fee Per Item Deposited
(Foreign) |
.19 |
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Per Negative Collected
Balances |
Prime + 6% |
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Write checks to access funds
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Unlimited access to deposited
funds
Non-Profit
Checking
An interest-bearing account tailored
for our Non-Profit customers.
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No monthly service charges
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Your liquid funds generate
interest for you
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Write checks to access funds
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Unlimited access to deposited
funds
Deposit Sweep
and Cash Management Balance Accounts
Deposits are automatically
transferred into interest-bearing
accounts.
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Maintain balances at
predetermined levels
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Provides income on excess funds
and eliminates surplus cash
positions
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Client can maintain balances
that are sufficient to offset
service charges
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Funds can be combined in one
account to facilitate cash
management process
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Integrates with lines of credit
to offset cash deficits
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Automates cash management via
secured, internet access
Commercial Savings
Accounts
An interest-bearing deposit account
with access to funds.
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Interest is compounded daily and
credited quarterly
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Low minimum balance requirement
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Money may be invested for any
length of time
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Transaction limitations may
apply
Commercial Money
Market
An investment account with lower
minimum balance requirements that
provides liquidity and earnings.
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Earn interest and gain easy
access to funds
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Interest accrues daily and is
paid monthly
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Limited check writing privileges
with regulatory restrictions on
transactions
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Receive detailed monthly
statements on account activity
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