Business Accounts

Checking Options

Details	Regular Business Checking	Non-Profit	Business NOW Account	Account Analysis*
Minimum To Open	$200	$200	$200	$200
Monthly Service Charge	$8	$8	$12	$20 (plus cost of usage)
Monthly Service Charge Waived For	$500 Balance	$500 Balance OR 501(c)(3) Documentation	$1,000 Balance	Offset credit. Credit based on Federal Funds Rate.
Paper Statements	$3,waived with electronic statement	Free with 501(c)(3) Documentation or $3, waived with electronic statement	No Charge	No Charge
Interest Earned	No	No	**Yes	Credit towards usage charges
Additional Benefits	This cell left intentionally blank	This cell left intentionally blank	This cell left intentionally blank	Ability to offset monthly service charge AND additional product usage charges with credit given on balances. Combined statements.

*Accounts are subject to Account Analysis fee structure by industry type or FNB discretion based on account usage.

Account is charged according to products/services used. Account balances earn credit based on the Fed Funds Rate to go towards these costs. The credited amount may offset all charges (excluding NSF/Overdraft Fees).

**Interest will not be paid if your daily balance drops below $1,000.00

Print a New Account Application PDF, fill out and bring in to one of our branches along with your initial deposit today!

Savings Options

Details	Business Savings	Business Money Market	Business First Star Money Market
Monthly Service Charge	$5	$20	$20
Balance To Avoid Service Charge	$100	$2,500	$10,000
Interest	Yes	Yes	Yes
Paper Statements	Quarterly Statements	Monthly Imaged Statements	Monthly Imaged Statements
Opening Deposit	$50	$2,500	$2,500

See an FNB Account Representative for more information on our Money Management System.

Consumer Accounts

Checking Options

Details	EChecking	Pioneer Checking	Regular Checking	Student Account	Senior Checking (Age 62+)	NOW Account	Texas Tradition
Minimum To Open	$100	$100	$200	$100	$100	$200	$200
Monthly Service Charge	$8	$5	$8	$5	$0	$12	$15
Monthly Service Charge Waived For	20+ debit card transactions monthly	N/A	$500 Balance	Documentation of students 13 or older taking 12 or more hours	N/A	$1,000 Balance	$5,000 Balance (all personal checking, savings & MMKT’s combined)
Paper Statements	Not offered with this account. Automatic enrollment in E-Statements	$3,waived with E-Statements	$3, waived with E-Statements	$3,waived with E-Statements or documentation	No Charge	No Charge	No Charge
Interest Earned	No	No	No	No	No	*Yes	*Yes
Additional Information	Checks are not provided with this account free of charge	First box of wallet bank stock checks provided at no charge	First box of wallet bank stock checks provided at no charge	First box of wallet bank stock checks provided at no charge	2 boxes of wallet bank stock checks PER YEAR at no additional charge	First box of wallet bank stock checks provided at no charge	Free domestic wire transfers, money orders, startup checks, cashier’s checks, notary & medallion stamp guarantee, customized cards and all FNB ATM fees are waived

*Balance requirements must be met in order to receive interest

Savings Options

Details	Regular Savings	Money Market	First Star Money Market
Monthly Service Charge	$5	$10	$20
Balance To Avoid Service Charge	$100	$2,500	$10,000
Interest	Yes	Yes	Yes
Paper Statements	Quarterly Statements	Monthly Imaged Statements	Monthly Imaged Statements
Opening Deposit	$50	$2,500	$2,500