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All Branches will be closed on Saturday, December 3rd, 2022 to update our computer system, and better serve your financial needs. All Branches will be open until  6 pm on Friday, December 2nd.  We apologize for any inconvenience. 
In addition, please be aware that Online Banking will be in a view only mode from closing time on December 2nd until the morning of December 5th.  Customers will not be able to transfer funds or create new Bill Payments.  Balances and history will not reflect debit card transactions until Monday, Dec
ember 5th.

 

Checking Accounts

  Unlimited
Transactions
Interest
Bearing
Monthly
Statement
Quarterly
Statement
Minimum
Initial Deposit
Regular Checking     $100
SWIPE IT Checking     $100
Personal Plus Checking   $100
Business Plus Checking   $1,000
Money Market     $1,000
Health Savings Account   $50
  • Regular Checking Account

    This account is ideal for customers who keep a daily balance of $500.00 or more in their account, write a lot of checks, and wish to receive a printed statement.

    • This account is available for personal and business use. 
    • The minimum opening balance is $100.00.
    • A monthly statement will be mailed to the customer.
    • Unlimited check writing..
    • No monthly service fee when you maintain a daily balance of $500.00 or more. A $5.00 service charge will be assessed per month if the daily balance is less than $500.00.
    • The monthly service charge will be waived on Personal Accounts for those age 25 and under or age 62 or better.
    • No daily balance service charge will be assessed to the first statement cycle of a new account.
    • Check printing fee depends on style of check ordered.
    • ATM or Instant Issue Debit Card available with account. 
  • Swipe It Checking Account

    This account is ideal for those who use their debit card frequently and want to receive their bank statements, notices, and disclosures electronically.

    • This account is available for personal and business use. 
    • The minimum opening balance is $100.00 with no minimum monthly balance requirement.
    • Consumers will be required to receive all account statements, notices, and disclosures in electronic form. (ALL ACCOUNTS)
    • Businesses or Organizations will receive only Swipe It Checking account statements, notices, and disclosures in electronic form.
    • A $5.00 fee will be charged to the account per statement cycle if the customer does not complete the set up process or withdraws consent to receive electronic statements.  The fee will be waived for the first statement cycle.
    • ATM or Instant Issue Debit Card available with account.
    • This is a non interest bearing account.
    • Unlimited check writing.
    • Customer will receive a $.05 credit for each posted and settled Debit Card purchase of $10.00 or more.  Credits will be deposited when the statement cycles.  *Excludes ATM Withdrawals*
    • Foreign ATM fees will be waived up to $30.00 per statement cycle for Customers age 25 and under.  It may take up to 24 hours after account is opened to become effective.
    • Check printing fee depends on style of check ordered.
  • Personal Plus Checking

    This account pays a competitive tiered interest rate on your account balance.  It is ideal for value-conscious customers who want to earn money on the funds in their checking account and enjoy the convenience of electronic banking and Debit Card usage.

    • This account is available for personal use only.
    • The minimum opening balance is $100.00.
    • Interest rates may change at any time.
    • Daily collected balances up to $20,000.00 earn a higher interest rate.
    • Interest will be added to the account at the end of each monthly statement cycle.
    • In order to receive the highest interest rate and APY for the account and for Foreign ATM fees to be refunded, the following qualifications must be met each statement cycle:
      *10 Debit Card purchases of $10 or more posted and settled (excludes ATM transactions).
      *At least 1 posted and settled direct deposit.
      *Receive statement, notices, and disclosures in electronic form.
      *Maintain a daily positive balance.
    • If all qualifications are not met, the account will earn the reduced rate of interest.
    • A $5.00 fee will be charged to the account per statement cycle if the customer does not complete the set up process or withdraws consent to receive electronic statements.  The fee will be waived for the first statement cycle.
    • Foreign ATM fees will be refunded up to $30.00 per statement cycle for all customers if all qualifications are met.  It may take up to 24 hours after account is opened to become effective.
    • Unlimited check writing.
    • Check printing fee depends on style of check ordered.
    • ATM or Instant Issue Debit Card available with account.
  • Business Plus Checking

    This account is designed to meet the needs of both small and large businesses. It pays a competitive rate on collected balances of $10,000 or more. It offers Online Banking, Cash Management and Bill Pay.

     

    • This account is available for business use only. Businesses include Sole Proprietorships, Corporations, Limited Liability Companies, Partnerships, Trusts, Estates, Non-Profit Organizations, and Government Entities.
    • The minimum opening balance is $1,000.00.
    • Businesses or Organizations agree to receive account statements, notices, and disclosures in electronic form.
    • This account is an interest bearing account with tiered balances. Interest is paid on collected balances of $10,000 and above. The interest rate may change at any time.
    • No interest will be earned on days when the collected balance is less than $10,000.00.
    • Interest will be added to the account at the end of each monthly statement cycle.
    • A service charge of $10.00 will be assessed per month if the daily balance is less than $1,000.00.
    • No daily balance service charge will be assessed to the first statement cycle of a new account.
    • A $10.00 fee will be charged to the account per statement cycle if the business does not complete the set up process or withdraws consent to receive electronic statements. The fee will be waived for the first statement cycle.
    • Instant Issue Debit Card is available with account.
    • Unlimited check writing.
    • Check printing fee depends on style of check ordered.
  • Money Market Account

    This account is for customers who want to earn interest, have immediate access to their funds, and write a minimal amount of checks.

    • This account is available for personal and business use.
    • The minimum opening balance is $1,000.00.
    • Statements will be mailed monthly.
    • Interest rates may change at any time.
    • Interest will be added to the account at the end of each monthly statement cycle.
    • No interest will be earned on days when the collected balance is less than $1,000.00.
    • A service charge of $10.00 will be assessed per month if the daily balance is less than $1,000.00.
    • A $10.00 excessive withdrawal fee will be assessed for each transfer above 6 paid in a monthly statement cycle.  Transfers include:Check, Draft, Debit Card Transactions, Internet Banking, Telephone Transfers, Wire Transfers, ACH, Info-24, Sweeps, Automatic Funds Transfer from one account to another, excluding AFTs to Loans.
    • No daily balance service charge will be assessed to the first statement cycle of a new account.
    • Checks will be issued only upon customer request.
    • Check printing fee depends on style of check ordered.
  • First Line Overdraft Protection

    The First National Bank in Olney is proud to offer you the opportunity to enjoy the convenience of our “First Line” Overdraft Protection Plan.

    If your account becomes overdrawn, we will automatically deposit funds directly into your account to avoid unnecessary service charges.

    Just write a check or use your MasterCard Debit Card for those purchases with no need to arrange financing each time. “First Line” provides you a readily available line of credit.

    “First Line” can be repaid in convenient small monthly payments. These payments may be automatically deducted from your account each month.

  • Health Savings Account

    This account is ideal for customers who need to save money to pay for qualified medical expenses.

    • This account is available for personal use.
    • The individual must be covered by a Self or Family High Deductible Healthcare Plan (HDHP).
    • The individual cannot be enrolled in Medicare.
    • Contributions are tax deductible.
    • The minimum opening balance is $50.00 with no minimum monthly balance requirement.
    • A $2.00 Monthly Maintenance Fee will be assessed to your account with each monthly statement cycle.
    • A monthly statement will be mailed to the customer.
    • Check printing fee depends on style of checks ordered.
    • Instant Issue Debit Card available with account.
    • Health Savings Account funds can be withdrawn in person, by check, or debit card for qualified medical expenses for yourself, your spouse, or your dependent children without tax penalty.  First National Bank in Olney is not responsible for determining if the distribution is a qualified medical expense.  Qualified medical expenses are defined in IRS Section 213(d), under Publication 502: Medical and Dental Expenses.

    First National Bank in Olney does not provide tax advice and customers are encouraged to consult with a tax professional for tax advice.