| 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
|