Contact one of our personal bankers in the customer service department to find out all the details today!


Checking Accounts

Account Type Minimum to Open Minimum Balance to Avoid Service Charge Service Charge(1) Debit Item Fee Interest
Business Go Green Checking(2)
Requires:
- e-statement
- 6 debit card transactions posted to your account
- Direct deposit and 6 billpay/ach OR if no
direct deposit 7 billpay/ach
- Valid e-mail address
- Sign on to internet banking once a month
- Must be NOW acct. eligible - Sole
Proprietor only
$50.00 $0 $0 $0 Yes
Plus
Free Billpay
Business Totally Free Checking(2) $50.00 None None None N/A
Business Checking(2) $100.00 $1,000.00 $10.00 None N/A
Business NOW Rewards Checking(2)
(Sole Proprietor only)
$1,500.00 $1,500.00 $10.00 None Yes

(1) No service charge will be charged unless your balance falls below the specified minimum balance on any day during the statement cycle.
(2) Overdraft Protection may be available after the account has been open for 30 days with no overdrafts.

Savings/Money Market Accounts

Account Type

Minimum to Open

Minimum Balance to Avoid Service Charge

Service Charge(1)

Debit Item Fee

Business Savings(2)

$100.00

$100.00

$3.00/ statement cycle

9 Free Debits, then $1 each.

Business Money Market Rewards(3)

$2,000.00

$2,000.00

$10.00

6 Free Debits.

(1) No service charge will be charged unless your balance falls below the specified minimum balance on any day during the statement cycle.
(2) Transactions are limited to nine per quarter with no more than six pre-authorized transactions during one month.
(3) Transactions are limited to six withdrawals or transactions from your account per statement cycle.

Business Debit / ATM Cards

Our Business Debit Card is the perfect solution for any small business! The card provides an easy way of accessing funds from your business checking account and offers the convenience of banking that your busy schedule requires. The Business Debit Card provides the features of an ATM card by using personal four digit pin numbers and also may be used to access funds from your business checking account at most places where MasterCard® is accepted. Additional features of the Business Debit Card include:

  • Instant Purchase Power for Business Needs
  • Better Recordkeeping of Business Expenses
  • Greater Worldwide Acceptance
  • Special MasterCard Privileges
  • Multiple Cards for Employees, each with the Assigned Spending Limits

Talk to one of our New Accounts Representatives today about how to get a Business Debit Card for your Business!

LOST OR STOLEN DEBIT CARD after business hours call 800-523-4175

 

Certificates of Deposit

A minimum deposit of $1,000 is required to open a regular Certificate of Deposit. If the certificate is presented for payment before maturity, an early withdrawal penalty will be assessed against the principal amount withdrawn from the CD as follows:

Original Maturity

Penalty
(interest on amount withdrawn)

1 year or less

90 days interest

Over 1 year, but less than 4 years

180 days interest

4-5 years

365 days interest

Call one of our customer service representatives today to find out more information!

IRA Accounts

The First National Bank of Emory offers competitive rates and terms and a variety of options for your retirement savings. Please contact one of our personal bankers in the customer service department and they can assist you in opening the right account for you.

Roth IRA

Eligible individuals are allowed non-deductible contributions with tax-free withdrawals for certain distribution reasons after a five year holding period.

Traditional IRA

Whether it's a new plan or a transfer/rollover, let our customer service representatives help you set up your traditional IRA plan.

Merchant Processing

Merchant processing is available through the First National Bank of Emory, contact one of our Customer Service Representatives for rates and more information.

Cash Management

The First National Bank of Emory has an Internet Commercial Service for small business, Cash Management, which has the capacity to streamline accounting, payment and collection systems, payroll, tax payments, wire transfers, banking and more.

Cash Management provides significant time savings, accessibility, convenience and security. Process payroll using the direct deposit feature, schedule recurring bill payments and wire transfers and have to access accounts 24 hours a day and know immediately when deposits are made and checks clear.

We are offering this high-tech, easy-to-understand product because we feel our business customers will greatly benefit. Please visit the demo on our home page http://www.fnbemory.com or call our main office and ask for a Customer Service Representative to discuss how Cash Management can specifically benefit you.

Online Banking Security, click here.









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