Checking
Opening a new business, moving to town, lived here all your life, or thinking about opening your first checking account? First Pioneer National Bank has just what you're looking for.
Scroll to the left to view the rest of the table.
- Monthly service charge of $2.50 plus a per item fee of $.05 per debit transaction posted and transit item posted.
- Earnings credit of $.20 per $100 of average daily balance up to total fees.
- Average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
- Average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
- Account available as a consumer checking account only.
- No monthly balance requirement.
- Full truncation on this account – your checks and deposit receipts are not returned in your statement.
- $5 per item fee for each debit or credit item researched.
- Converts to a Personal Checking Account when primary owner is no longer a student and a service charge for a Personal Checking Account is then applicable (see Personal Checking disclosure).
- Must be 60 years old to qualify.
- No check number limits.
- Account is a variable interest rate account; therefore, the interest rate and annual percentage yield may change at our discretion.
- Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). If you close your account before interest is credited, you will receive the accrued interest.
- Interest compounded daily and credited to your account each monthly statement cycle.
- The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal from this interest bearing account.
- Account is a five tiered variable interest rate account; therefore, the interest rate and annual percentage yields may change at our discretion.
- Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). If you close your account before interest is credited, you will receive the accrued interest.
- Interest compounded monthly and credited to your account each monthly statement cycle.
- The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Transfers from this account to another account or to third parties by preauthorized, automatic, online or telephone transfer, check, internet purchase, draft, or similar order are limited by Federal Regulation to six (6) per statement cycle.
- An excess withdrawal fee of $5 will be charged for each debit (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six (6) during a monthly statement cycle.
- We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal from this interest bearing account.
- Account available as an individual checking account only.
- No monthly balance requirement.
- Full truncation on this account – your checks and deposit receipts are not returned in your statement.
- $5 per item fee for each debit or credit item researched.
- Account is a variable interest rate account; therefore, the interest rate and annual percentage yield may change at our discretion.
- Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). If you close your account before interest is credited, you will receive the accrued interest.
- Interest compounded daily and credited to your account each monthly statement cycle.
- The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal from this interest bearing account.
To open an account you may complete a deposit account application and bring it to one of our locations or just stop by and we will complete it for you. Check out the Application Center to learn more on account opening requirements.
*Contact a customer service representative at one of our locations for current annual percentage yields and interest rates for NOW and Money Market accounts.
Switch Kit
Thinking of switching your accounts to First Pioneer National Bank? You’re only a few steps away. Follow along with our simple step-by-step instructions to make a smooth, easy transition from your old financial institution to First Pioneer National Bank.
SWITCH!
If you would like help with any step of the process, we are happy to assist. Call a customer service representative at one of our locations today. Thank you for choosing First Pioneer National Bank!
FDIC Insurance
You may calculate the insurance coverage of your deposit accounts at First Pioneer National Bank using the FDIC Insurance Calculator or by contacting a customer service representative.
