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First National Bank of Harveyville
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The First National Bank of Harveyville offers both interest bearing and non-interest bearing accounts to meet your financial needs. Our Regular Checking Account (DDA) is our most requested type of account. Customers who maintain a high balance may benefit by having an interest bearing account.

We also participate in the government sponsored Electronic Transfer Account Program for individuals who receive federal benefits, wages, salary, or retirement payments. These are accounts for individuals to receive their Federal payments electronically (direct deposit) only.

The following outline summarizes all of our checking accounts which will give you an idea of what type of personal checking accounts we offer. The Maintenance Fees and per item fee will be assessed whenever your lowest daily balance for the statement cycle falls below the minimum daily balance required. If no minimum balance, maintenance fees listed will always apply.

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Regular Checking Account (DDA)

  • Minimum balance to open account is $100.00
  • A service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.
  • A per item fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account excluding check card transactions).  This fee will apply if the minimum daily balance falls below $300.00.
  • Overdraft and Return Item fee are $20.00 per item.  An insufficient funds item may be created by check, in-personal withdrawal, ATM withdrawal or electronic means.
  • Check imaging
  • Check card available upon approval

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NOW ACCOUNT

  • Your interest rate and annual percentage yield may change
  • We may change the interest rate on your account at any time
  • We may change the interest rate on your account at our discretion
  • Interest will be credited and compounded on a monthly basis
  • Minimum balance to open the account is $750.00
  • A maintenance fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $750.00 any day of the cycle.
  • We use the daily balance method to calculate the interest on your account.  This method applies a periodic rate to the principle in the account each day.
  • Interest begins to accrue on the business day you deposit cash and non-cash items (for example, checks)
  • A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account excluding check card transactions).  This fee will apply if the minimum daily balance falls below $750.00.
  • Overdraft and return item fees are $20.00 per item.  An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means.
  • Check imaging
  • Check card available upon approval

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SNOW ACCOUNT

  • Your interest rate and annual percentage yield may change
  • We may change the interest rate on you account at any time
  • We may change the interest rate on you account at our discretion
  • Interest will be credited and compounded to your account every month
  • Minimum balance to open the account is $1,500.00
  • A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  • We use the daily balance computation method to calculate the interest.  This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day you deposit cash and non-cash items such as checks
  • A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account excluding check card transactions).  This fee will apply if the minimum balance falls below $1,500.00
  • Overdraft and return items fees are $20.00 per item.  An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means.
  • Cheque card available upon approval

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ELECTRONIC TRANSFER ACCOUNT (ETA)

  • Deposits may only be made into this account by electronic direct deposit of Federal benefit, wage, salary or retirement payments
  • Four cash withdrawals and four balance inquiries are permitted with no additional fee
  • Service charge - $3.00 per statement cycle
  • Per item fee - $.15 after the four cash withdrawals
  • Overdraft fee - $20.00 per transaction
  • Return item fee - $20.00 per transaction
  • No checks allowed
  • Cheque card access only
For a detailed disclosure on any account listed above, please contact us.

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BUSINESS CHECKING ACCOUNTS

Our business accounts are the same as our personal accounts, which gives the business a variety of products to choose from. 

All business accounts will receive end-of-month statement with images of items processed through the account.

The maintenance fee and per item fee will be assessed whenever the lowest daily balance for the statement cycle falls below the minimum daily balance required.

For a detailed disclosure on any account of ours please contact us.

 

NON-PROFIT ACCOUNTS

The First National Bank of Harveyville offers a no service charge, maintenance fee free checking account for organizations that qualify as non-profit.

To see if your non-profit organization qualifies for this account, please contact us.

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PASSBOOK SAVINGS ACCOUNT

A savings account is a great way to save for future purchases or just to have for a rainy day.  We offer the passbook Savings Account to both personal and commercial customers.

Passbooks Saving Features include:

  • The interest rate and annual percentage yield may change at any time
  • We may change the interest rate at our discretion
  • Interest will be compounded and credited to your account every three months.
  • $10.00 minimum balance to open this account
  • A maintenance fee of $1.00 will be imposed each month if the balance for the entire month falls below $25.00
  • 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
  • Interest begins to accrue on the business day you deposit non-cash items
  • Transfers from a Passbook Savings Account to another account or a third party by pre authorized, automatic, or telephone transfers are limited to three per month
  • Overdraft and return items fees are $20.00 per item.  An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means
  • An annual year-end statement is issued to update your passbook.

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Money Market Deposit Account

  • The interest rate and annual percentage yield may change at any time
  • We may change the interest rate at our discretion
  • Interest will be compounded and credited to your account every month
  • $500.00 to open this account
  • A maintenance fee of $10.00 will be imposed each monthly cycle if the average daily balance falls below $1,500.00.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of day in the period. 
  • We use the daily method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
  • Interest rate begins to accrue on the business day you deposit cash and non-cash items
  • Transfers from a money market to another account or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per month with no more than three by check, draft, or similar order to third parties
  • A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account), if the minimum balance falls below $1,500.00
  • Overdraft and return item fees are $20.00 per item.  An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means
  • Check imaging

For a detailed disclosure on any of the accounts listed above, please contact us.

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