Commercial Checking Accounts
Commercial checking (Analysis)
Service Charge Schedule
(Effective May 15, 2009)
| Basic Monthly Maintenance Charge | $10.00 |
| Ledger Entries | $.15 each |
| On Us Items | $.04 each |
| Iowa Items | $.07 each |
| Out of State Items | $.09 each |
Subtotal of Charges
Less Balance Credit*
Total Monthly Service Charge (if any)
* The balance credit will be based on the average 91-day Treasury Bill rate for the current month and will be calculated on the average collected balance less a 10% reserve requirement. Uncollected balances will be charged the 91-day Treasury Bill rate plus 3%.
Funds Availability Schedule
| On Us | Immediate |
| Government Checks | 1 Day |
| Iowa Items | 1 Day |
| Out of State | 2 days |
Note: First National does not charge a FDIC insurance assessment or premium.
Deposit Lock Bag Fees**
| 1 Bag - Small | $12.00 annual rental fee |
| 1 Bag - Large | $16.00 annual rental fee |
| Additional Bags | $4.00 each |
**First year lock bag fees will be waived.
Commercial Checking with interest
service charge schedule
(Effective May 15, 2009)
| Basic Monthly Maintenance Charge |
$10.00 |
| Ledger Entries | $.15 each |
| On Us Items | $.04 each |
| Iowa Items | $.07 each |
| Out of State Items | $.09 each |
Competitive interest rate earned on all balances.
Commercial Money Market Account
Service Charge Schedule
(Effective May 15, 2009)
| Ledger Entries (deposits and withdrawals) |
Deposited Items
|
||
| First 10 Entries | No charge | On Us Items | $.04 each |
| Additional Entries | $.15 each | Iowa Items | $.07 each |
| Out of State Items | $.09 each |
Competitive tiered interest rate.
Business Online Banking
