log in to Personal Internet Bankinglogin to Business Internet Banking
 
Member FDIC, Equal Housing Lender

Account Products

                                                                                                    Checking/SavingsCDsIRAs

Checking and Savings Accounts

Regular Checking Account
· No minimum to open
· No monthly maintenance fee
· No per item charge
· No account charges for ATM transactions
(When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network used)

As a convenience to our customers, we offer the link below to reorder checks on-line:

Harland Reorder Checks OnLine

NOW Account
· Interest-bearing checking account *
· $1,000 minimum to open
· $1,000 minimum to avoid monthly maintenance fee
· $7.50 monthly maintenance fee if balance falls below $1,000 during statement cycle
· $.25 per item fee for over 20 debits per statement cycle

Money Market Fund Account
· Interest-bearing account *
· $1,000 minimum to open
· $1,000 minimum to avoid monthly maintenance fee
· $10.00 monthly maintenance fee if balance falls below $1,000 during statement cycle
· A limit of 6 transfers from a Money Market Fund account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, point of sale, or similar order to third parties per statement cycle.
· $10.00 per item fee for over 6 debits per statement cycle
(We may require not less than 7 days notice in writing before a Money Market Fund account may be closed and the accrued interest received.)

Savings Account
· Interest-bearing account *
· $50 minimum to open
· No transactions by check, draft, or point-of-sale, or similar order to third parties.



Certificates of Deposit

30-60-90 Day Certificate of Deposit
· $1,000 minimum to open
· Interest can be compounded at maturity *
· Interest can be paid by check or transferred to an existing checking account as often as monthly
· Penalty of 3 month interest may apply for early withdrawal prior to maturity

182 Day Certificate of Deposit
· $1,000 minimum to open
· Interest can be compounded quarterly *
· Interest can be paid by check or transferred to an existing checking account as often as monthly
· Penalty of 3 month interest may apply for early withdrawal prior to maturity

12 Month Certificate of Deposit
· $1,000 minimum to open
· Interest can be compounded quarterly *
· Interest can be paid by check or transferred to an existing checking account as often as monthly
· Penalty of 3 month interest may apply for early withdrawal prior to maturity

18-24-36-60 Month Certificate of Deposit
· $1,000 minimum to open
· Interest can be compounded quarterly *
· Interest can be paid by check or transferred to an existing checking account as often as monthly
· Penalty of 6 month interest may apply for early withdrawal prior to maturity



Individual Retirement Accounts Roth or Traditional

IRA Savings Account
· $100 minimum to open
· Variable rate account
· Quarterly statements
· Interest is compounded quarterly *
· No transactions by check, draft, or point-of-sale, or similar order to third parties.

* For current Interest Rates, call or stop by our offices
   (see the phone numbers and addresses listed below).



Cuero National Bank
1800 North Esplanade Street PO Box 889
Cuero, Texas   77954
ph: (361) 277-3100 fax: (361) 277-3104
Flatonia National Bank
114 North La Grange Street PO Box 130
Flatonia, Texas   78941
ph: (361) 865-3800 fax: (361) 865-3584


First National Bank of Shiner
103 West 7th Street PO Box 607
Shiner, Texas   77984
ph: (361) 594-3317 fax: (361) 594-4392

e-mail: web@fnbshiner.com
http://www.fnbshiner.com



©  Copyright First National Bank of Shiner

site designed & maintained by BaerCom - Shiner, Texas site design by BaerCom