• Interest is calculated daily, paid quarterly and a quarterly statement issued. Interest rate and annual percentage yield subject to change. (Frequency of rate change subject to change every week.)
• A $50 minimum balance required to open an account and keep account open. 
• A minimum balance fee of $1.50 will be charged each quarter, if the average daily balance for the quarter decreases below $50.
• Unlimited number of withdrawals and deposits acceptable when transacted  in person.
• Transfers from a Variable Rate Savings Account to other accounts or to third parties by preauthorized, automatic, telephone transfers, or Internet transfers are limited to six transactions per month.

MONEY MARKET SAVINGS VARIABLE RATE ACCOUNT

• Interest is calculated daily, paid monthly and a monthly statement issued.
  Interest rate and annual percentage yield subject to change. (Frequency of rate change subject to change every week).
• A $1,000 minimum balance required to open an account.
• A maintenance fee of $2.50 will be charged every statement cycle if the account balance decreases below $1,000 any day within the statement cycle and interest earned will be calculated based on the lowest tier of the Interest Bearing Checking Account rate schedule.
• Transfers from a Money Market Variable Account to other accounts or to third parties by preauthorized, automatic or telephone transfers, or Internet transfers are limited to six transactions per month.

• Minimum deposit requirement to open a 50 week account:

• Bonus – Open Christmas Club Account by the third week of November, make 49 deposits of the weekly payment sum and First National Bank will make the 50th weekly payment sum free.
• An Emergency withdrawal closes the Christmas Account.
• No annual service fee.
• Christmas Club Account Checks issued first week of November.