|PERSONAL BANKING: Free Checking
-No minimum balance.
-Check safekeeping is required on this account. With check safekeeping,
First National Bank will hold, or safekeep, your checks for the required time
-Nonsufficient funds (NSF) item (each) - Returned Item Fee - $25.00 per item.
-Overdraft fee - $25.00 per item paid.
If you use an Automated Teller Machine (ATM) not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).