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Overdraft
Protection
Automatic transfers will be made to your checking or savings
account from another account. Transfers are made in $50 increments.
Simply complete an authorization form at any of our branch offices.
Checkguard
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We offer a useful
feature on some of our
checking account products - Overdraft Privilege. With this privilege
we
will pay your non-sufficient-funds (NSF) checks and fees up to
a pre-approved limit. You will be charged the normal per item
NSF handling fee. When faced with unexpected bills, your Overdraft
Privilege is a convenient and dependable source of temporary
cash.
You can access your Overdraft Privilege by check, ATM or debit
card.
VISA
Debit Card
It works just like a check, only faster. There is no
checkbook to carry. No check to write. No waiting for check approval.
Because it carries the VISA symbol our VISA Check Card is accepted
all over the world. And you can use it to get cash from an ATM.
It's your ATM card and checkbook rolled into one.
To report a lost or stolen ATM or Visa Debit Card call FNB. If
it is not during working hours or on a holiday call 1-800-264-4274,
press option #3 and follow directions.
ATMs
FNB is a member of the Alpha Link Alliance. Members of this alliance
agree not to surcharge each others' customers. So, besides
our 16 ATMs, you have access to hundreds of ATMs, surcharge-free.
To locate an ATM near you -- Click
Here (www.alphalinkalliance.com)
Connection
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This 24 hour telephone banking service allows you to verify
account balances, transfer funds to another account and make loan
payments. It as easy as 1, 2, 3!
- Dial 1-800-214-4185
- Enter your account number + "#"
- Enter your 4 digit Personal Identification Number + "#"
(This will be the last four digits of your social security number)
To transfer
funds or make loan payments, just complete an authorization form
at any of our branch offices.
Health
Savings Accounts
Health Savings Account, or HSAs, were created by Congress to combat rising medical
costs.
An HSA, is
an IRA-like account that is designed exclusively for covering
medical expenses incurred by the HSA account beneficiary (the
person who establishes the account) and his or her dependents.
HSAs are available
to individuals covered by a high deductible health plan (HDHP)
regardless of whether the person is self-employed or employed
by a small employer and regardless of whether their employer
maintains the HDHP.
An HDHP is
an insurance policy that meets certain dollar limits as shown
in the table below.
2008
HDHP Limits* |
| |
Self
Only |
Family |
| Annual
Deductible |
$1,100
or more |
$2,200
or more |
Annual
Deductible plus
out-of-pocket expenses
cannot exceed...
|
$5,600 |
$11,200 |
| *HDHP and contribution limitations are revised
each year to reflect cost-of-living increases. |
HSAs can provide
significant tax benefits to eligible individuals. HSA contributions
- by employer or employee - are excluded from income.
HSA earnings
are tax-deferred.
If used for
qualified medical expenses, HSA assets are never taxed.
To learn more
about how to take advantage of the many HSA benefits, ask one
of our representatives for more details.
Individual
Retirement Accounts
Provide for your retirement by investing in an Individual Retirement
Account today. We offer several terms to help maximize your earnings.
Depending on the type of IRA, you may be able to defer taxes on
your current income or exempt the earnings from future taxes.
Start saving for a child's higher education with an Education IRA
at the First National Bank.
Traditional
IRA - Allows you to defer taxes on earnings until they
are withdrawn. Some contributions are tax deductible for
the tax year for which
they are made. If you have earned income and are younger than 70
½ through the entire year, this IRA would fit you. You may
contribute any amount up to 100% of your compensation or $5,000--whichever
is less. You can withdraw funds without penalty after you reach
age 59 ½.
Roth IRA
- Big benefit here is the tax-free distribution -- for purchasing
a first home (up to $10,000); anytime after 59 ½; disability;
and death. Available to married couples with modified adjusted
gross
income of $159,000 or less and singles with a modified adjusted
gross income of $101,000 or less. Contributions are not tax
deductible.
You may contribute $5,000 maximum per year between both
Roth and the Traditional IRAs.
Call today
and discuss these options with a bank representative.
Important
information about procedures for opening a new account
To help the
government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to
obtain, verify, and record information that identifies each person
who opens an account.
What
this means to you:
- When you
open an account, we will ask for your name, address, date of
birth, and other information that will allow us to identify
you.
- We may
also ask to see your driver’s license or other identifying
documents.
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