Banking on a personal level. Outstanding customer service tailored to each individual. The First National Bank of Emory offers a variety of options from basic checking accounts with no minimum balance to our competitive Now Rewards Checking, Savings accounts and CD's.

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

Monthly Service Charge (1)

Debit Item Fee

Interest

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
$50.00 $0 $0 $0 Yes
Plus
Free Billpay
Totally Free Checking(2) $50.00 None None None N/A

Personal Checking(2)

$100.00 $700.00 $7.00 None N/A
NOW Rewards Checking(2) $1,500.00 $1,500.00 $10.00 None Yes
Student Checking(3) $50.00 $100.00 $3.00 None N/A

(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.
(3) Limited to full time students up to age 24. Minors under age 18 require joint-ownership with a parent or legal guardian.

Savings/Money Market Accounts

Account Type Minimum to Open Minimum Balance  to Avoid Service Charge Service Charge(1) Debit Item Fee
Personal Savings(2) $100.00 $100.00 $3.00/ statement cycle 9 Free Debits, then $1 each.
Money Market Rewards(3) $2,000.00 $2,000.00 $10.00 6 Free Debits.
Student Savings(2,4) $50.00 None None 9 Free Debits, then $1 each.
(minors only)

(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.
(4) Limited to minors under age 18. Requires joint-ownership with a parent or legal guardian.

First National Bank Debit/ATM Cards

  • Make purchases from merchants displaying the MasterCard® logo
  • Get cash from checking or savings
  • Transfer funds
  • Check account balances

MasterCard SecureCode

MasterCard SecureCode Enroll Here

Enroll here for added protection while shopping on-line.

Privacy Policy

Terms and Conditions

More Information

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 one of our customer service representatives help you set up your traditional IRA plan.








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