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checking accounts

personal checking accounts

Minimum to Open
$1,000
Balance to Avoid Maintenance Fee
$1,000 daily or $2,500 average daily balance throughout the statement cycle in your personal accounts.
Monthly Maintenance Fee
(if balance is not maintained)
$15

Interest Rate / Interest Payment

Variable, set at bank's discretion. Interest compounds daily using daily balance, credited monthly.
In-Touch 24 Customer Service

Per Inquiry:
No charge automated
$2 operator 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
  • Unlimited check writing
  • Interest bearing account
  • No monthly maintenance fee with minimum balance
  • 50% off safe boxes with auto debit
  • Free On-Line Consumer Banking
  • Free email statements
  • ATM card available
  • Visa Debit Card - $1 per month fee, $300 balance required to apply
Other Information

First National Bank of Central Florida is a Member of the Federal Deposit Insurance Corporation ("FDIC"). All deposit accounts are FDIC insured up to $100,000. 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. This method applies a daily periodic rate to the principal in the account each day. Except for CD's and IRA's, interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 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. Balance to Avoid Maintenance Fee section: the average daily balance is calculated by adding the principal in the combined accounts 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 NOW

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