| Minimum
to Open |
$5,000 |
| Balance
to Avoid Maintenance Fee |
$10,000
total average daily balance in your combined
personal deposit accounts at FNBCF. |
Monthly
Maintenance Fee
(if balance
is not maintained) |
$20 |
|
Interest
Rate / Interest Payment |
Variable,
balance in excess of $5,000 earns interest
in the sweep account, set at bank's discretion.
Balance at or below $5,000 earns interest
at the "First Savings Rate".
Interest compounds daily using daily balance
method, credited monthly. |
| In-Touch
24 Customer Service |
No
charge for automated or operated assisted |
Overdraft
Protection
Personal Reserve Account
(available upon credit approval) |
Personal
ReserveAccount (available upon credit approval) |
Early
Account Closing Fee
(if closed
within 6 months) |
$30 |
| Account
Features & Benefits |
-
Automated
sweep account
-
Personal
account officer
-
Free
non-FNBCF ATM transactions (Note: A fee may be charged by the terminal owner)
-
Unlimited
check writing
-
2
free boxes VIP checks per year
-
Cash
Management
-
.25%
bonus on non-promotional CD rates
-
Apply
for your Visa CheckCard today- monthly
fee waived
-
$500
in Traveler's Cheques without fees
-
50%
off safe boxes with auto debit
-
Free
cashier's checks
-
No
monthly maintenance fee with compensating
balance
-
Free
email statements
-
$5/month
CD ROM Statements
-
$300
credit towards National One Mortgage
processing fees
|
| Additional
Information |
First
National Bank of Central Florida is a
member of the Federal Deposit Insurance
Corporation ("FDIC"). All deposit accounts
are FDIC insured for your protection.
Your deposits are insured up to $100,000
by the FDIC. Customers choose their bank
statements to be sent by email, paper
copy or CD Rom. Accounts closed before
interest is credited will not receive
the accrued interest. We use the daily
balance method to calculate the interest
on your account. Accrual of interest
on noncash deposits: Interest accrues
on the collected balance. This method
applies a daily periodic rate to the
principal in the account each day. Contact
the customer service representative at
the office nearest you or call In-Touch
24 (1-800-869-9456) for
the current annual percentage yields,
fees, and other information concerning
our accounts. On all variable interest
bearing accounts: the interest rate and
annual percentage yield may change; at
our discretion, we may change the interest
rate on your account at any time. There
are two NOW accounts and two statements
will be generated. Under Balance to Avoid
Maintenance Fee, the 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.
For
a complete account disclosure, please
visit one of our branch
office locations or contact customer
service.
|
Personal
Checking Accounts Menu | First
Money Manager Plus
|
