Freedom Checking
A basic, non-interest bearing checking account that must receive monthly statements by E‑Mail.
Services Available (At No Cost):
My Rewards, My Mobile Money App, Online Banking/FNB Mobile App, Mobile Deposit and Bill Pay.
- Minimum to Open: $100.00
- Students (ages 24 & Under) Minimum to Open: $50.00
Gold Checking
A non-interest bearing account for customers age 62 or Older. Must have one Direct Deposit per month. Monthly statements with images are mailed.
Services Available (At No Cost):
My Rewards, My Mobile Money App, Online Banking/FNB Mobile App, Mobile Deposit, Bill Pay and E‑statements.
- Minimum to open: $100.00
- Age Requirement: Age 62 or Older
- Must have one Direct Deposit per month
Premium Checking
A non‑interest bearing account without restrictions. Monthly statements with images are mailed.
Services Available (At No Cost):
Includes 1st Intro Pack Checks, Cashier Checks, ID Theft Monitor ONLY, My Rewards, My Mobile Money App, Online Banking/FNB Mobile App, Mobile Deposit, Bill Pay and E‑statements.
- Minimum to Open: $100.00
- Students (ages 24 & Under) Minimum to Open: $50.00
- Monthly Fee: $15.00
Super Now Checking
A checking account that draws interest. Customers receive statements with images.
Services Available (At No Cost):
My Mobile Money App, Online Banking/FNB Mobile App, Mobile Deposit, Bill Pay and E‑statements.
*Variable rate subject to change
- Minimum to Open: $1,500.00
- Balance: <$1,499.99 in a statement period: $10.00
Money Market Checking
A savings type account with limited checking privileges, but unlimited withdrawals in person. Limited to 6 withdrawals/transfers per statement. Pays interest at a rate based upon the balance in the account. Customers receive statements with images.
Services Available (At No Cost):
My Mobile Money App, Online Banking/FNB Mobile App, Mobile Deposit, Bill Pay and E‑statements.
*Variable rate subject to change
- Minimum to Open: $2,500.00
- High Yield Money Market Minimum to Open (New Money): $50,000.00
- Balance <$2,499.99 in a statement period: $20.00
- Balance <$9,999.99 in a statement period: $10.00
Savings Account
Personal interest bearing accounts with Quarterly statement mailed. 3 withdrawals are allowed per quarter at no cost, if 3 withdrawals are exceeded then there will be a $2.00 fee per transaction.
Services Available (At No Cost):
Online Banking/FNB Mobile App, Mobile Deposit and E‑statements.
*Variable rate subject to change
- Minimum to Open: $200.00
- Students (Ages 24 & Under) Minimum to Open: $50.00
- Quarterly Statements Balance <$199,99: $5.00 per Quarter
Time Deposits
Time Deposits are the highest yielding deposit accounts we offer. Maturities of 91 days to five years are available in automatically renewable or fixed maturity types to individuals, businesses, and other organizations. The 182-Day Time Deposit features an add-on provision. Large Time Deposits, i.e., those for $100,000 or more, are called “Jumbo” Time Deposits. Interest can be paid by a credit to your checking account or added back to your Time Deposit or by a check mailed to you.
- $2,500 to open a Time Deposit
- $100,000 to open Jumbo Time Deposit
- Penalty charges: Penalties for early withdrawal are substantial.
**Please contact one of our Banking Centers for current rates**
Individual Retirement Accounts
Secure Your Future With An Individual Retirement Account
The First National Bank of Eagle Lake offers the following IRA Plans:
- Traditional IRA
- Roth IRA
- Roth Conversion IRA
- Health Savings Accounts
- Simplified Employee Pension Plan (SEP)
