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Everyone has different needs... But we all have one thing in common...
We want to reach our financial goals successfully. At First National
we have a wide array of checking programs. Our Personal Bankers
will help you choose a checking account that best fits your needs.
- NO Minimum Balance Required
- NO Maintenance or per check fee with 20 or less checks cleared
each month*
- Free Bill Payment (when you pay at least 4 bills each month
and use
E-Statements)
- Never pay for checks again!
- Bounce Protection
- Free Online Banking
- Free E-Statements
- Free 24 Hour Telephone Banking
- Free Debit Card
- Freedom to choose when and where you want to bank
- Can add all benefits of Generations Gold for only $3 per month
APPLY NOW!
- One free order of checks per year
- Free Bill Payment (when you pay at least 4 bills each month
and use
E-Statements)
- Bounce Protection
- Free Online Banking
- Free E-Statements
- Free 24 Hour Telephone Banking
- Free Debit Card
- No maintenance or per check fee if $100 minimum is maintained.*
- Eligible for automatic savings transfers
- Freedom to choose when and where you want to bank
- Can add all benefits of Generations Gold for only $3 per month
APPLY NOW!
- Never pay for checks again!
- No minimum balance required
- Bill pay half price with no restrictions OR
Free Bill Payment (when you pay at least 4 bills each month and
use E-Statements)
- Bounce Protection
- Free Online Banking
- Free E-Statements
- Free 24 Hour Telephone Banking
- Free Debit Card
- No maintenance or per check fee
- Unlimited check writing privileges
- Free issue of Money Orders
- Free Notary Service
- Plus all the benefits of Generations Gold.
- Freedom to choose when and where you want to bank
- Monthly fee of $6.95 for all benefits
APPLY NOW!
- Free special Fortune 50 checks or $7.00 credit on the check
order of your choice
- Free annual/monthly fee for ATM Card or Debit Card
- Membership fee of $10 waived if you maintain a minimum daily
balance of $1,500 in this account OR $10,000
in any combination of deposits with First National
- Unlimited transactions
- Travel opportunities and special events
- Free Special Senior Seminars
- 50% off annual 3” x 5” Safe Deposit Box rent, or
same credit towards a larger box
- 50% discount on Wire Transfer Fees
- Monthly Fortune 50 Certificate of Deposit specials
- Bill pay half price with no restrictions OR
Free Bill Payment (when you pay at least 4 bills each month and
use E-Statements)
- Free issue of Cashier's Checks
- Bounce Protection
- Free Online Banking
- Free E-Statements
- Free 24 Hour Telephone Banking
- Free issue of Money Orders
- Free Notary Service
- Freedom to choose when and where you want to bank
- Can add all the benefits of Generations Gold for only $3 per
month
APPLY NOW!
- No minimum balance required
- First order of checks are free
- Free Debit Card
- Free Online Banking
- Free E-Statements
- Free 24 Hour Telephone Banking
- Unlimited transactions
- E-mail notice available should you accidentally overdraw
- Local merchant gift card, and travel discount programs available
- No fee Credit Card
- 50% discount on electronic bill pay
APPLY NOW!
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- Free Checks
- Free Debit Card
- Free Online Banking
- Free E-Statements
- Free 24 Hour Telephone Banking
- Unlimited transactions
- E-mail notice available should you accidentally overdraw
- Local merchant gift card, and travel discount programs available
- Bounce protection available
- Premium interest paid on average monthly balance
- Special credit card options including no fee, low interest, rewards programs, etc.
- 50% discount on electronic bill pay
- 50% discount on domestic wires
- $100 discount on first mortgage closing
APPLY NOW!
- Minimum opening deposit for all accounts
is $100.00
Please ask one of our Relationship Bankers for more details.
If you have a printer available and would prefer a "paper" application, you can click on the link below. Then bring the form into one of our offices or FAX to 715-425-9018 to get the new account process started.
Click here for the checking application form
Member FDIC
- Unlimited in-person deposit and withdrawal privileges.
- 24 Hour access available through ATM’s, Phone Banking,
or Internet Banking.
- Interest on your funds accrues daily and pays quarterly.
- There is no maintenance fee on the account when a $300 or greater
balance is maintained.
- All fees are waived for minors.
- Ask about our Special Children’s Savings Program with
premium interest, no fees and extra benefits.
- Invest-Ed is an education savings plan with all the benefits
of the new 2002 tax laws.
- A change in the 2001 tax law has made college savings plans
extremely attractive. That’s why we
established Invest – Ed.
- Invest – Ed is an education savings program that
allows you to save funds for a child, grandchild,
niece, nephew…even yourself…at higher
than average savings account rate, earn interest
tax free, withdraw funds tax free, and remain
in control of the funds.
- These plans also offer generous maximum
contributions of up to $2,000 per year. This in no way limits
an individual’s contribution allowance into a personal
IRA.
- Unlike some plans, our Invest – Ed donors…be
they parents, grandparents, or rich uncles…retain
control of the fund.
- The donor on an Invest – Ed plan can actually change
the beneficiary from one family member to another. They can
even make themselves beneficiary if they have intentions of
going to school some day.
- With Invest – Ed we make savings simple. You can
earn a one year certificate of deposit interest rate, open
the account with a $100 deposit, and make additional deposits
for as little as $25. If you choose, we can make deposits
automatically from one of your accounts or from your payroll.
Plus, your contributions are protected by the Federal Deposit
Insurance Corporation.
Ask one of our Personal Bankers for details
on which account
best fits your financial needs.
What is a Health Savings Account (HSA)?
This account gives small businesses and individuals another way to obtain affordable health insurance coverage. It combines a high-deductible health insurance plan with a tax-exempt savings account.
Can anyone open an HSA?
You must be younger than 65 years old and have high-deductible health coverage.
What are the benefits of HSAs?
- More affordable
- Deposits are tax-free
- Investment earnings grow tax-free
- Withdrawals are tax-free when used for medical expenses
- They’re portable – you take your HSA with you if you change jobs
- Available to almost anyone under a high-deductible insurance plan
The Basics of Health Savings Accounts
To learn about the basics and more, take a look at some of the very user friendly information provided by the U.S. Treasury Department at http://www.ustreas.gov/offices/public-affairs/hsa/faq_basics.shtml.
- What is a Health Savings Account (“HSA”)
- What is a “High Deductible Health Plan” (HDHP)?
- How can I get a Health Savings Account?
- How much does an HSA cost?
Want to Learn More?
Contact us or call or stop at one of these convenient locations.
104 E Locust St
River Falls, WI 54022
715-425-2401
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1151 N Canton St
Prescott, WI 54021
715-262-5000 |
1656 Dorset Ln Ste 100
New Richmond, WI 54017
715-246-5533 |
Look at these convenient options:
- First order of checks free
- Free debit card
- Free online banking
- Free e-Statements
- Earn interest above the rate of other savings accounts
- No monthly fee*
- FDIC Insurance up to $100,000
*An annual fee and one time set-up fee may apply.
- Unlimited in-person deposit and withdrawal privileges.
- 24 Hour access available through ATM’s, Phone Banking
or Internet Banking.
- Earn a high money market rate and avoid fees by maintaining
a $1,000 or greater balance.
- Unlimited in-person deposit and withdrawal privileges.
- A low monthly minimum balance earns you a higher yield based
on the 13 week Treasury Bill rate.
- You receive convenient monthly statements that show you the
current month's yields.
- This is a Money Market account for individuals and individual
family trusts.
- The annual interest yield is based on the balance you keep.
The higher the balance, the higher the yield.*
- Required opening balance is $15,000.
*Contact a personal banker for more information and current yields.
- Terms ranging from 7 days to 5 years.
- Competitive rates.
- Low minimum balance requirements.
- Convenient automatic renewal.
- Compound your interest payments for the highest yield or have
it directly deposited to another account with First National.
- Take advantage of monthly or seasonal certificate specials.
- If you are a Fortune 50 Member you’ll have an additional
special to choose from each month.
- If you are concerned that your certificate exceeds FDIC maximums,
ask us about a Repurchase Certificate.
Contact
us about the many options on terms and rates that are
available.
Effective April 1, 2006 Insurance coverage for certain Retirement accounts has been increased to $250,000. This includes Traditional and Roth IRAs.
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