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Account Products

                                                                                                    Checking/SavingsCDsIRAs

Checking and Savings Accounts

Regular Checking Account
• $100 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 *
• Interest will compound daily. Interest will be credited to your account monthly.
• $100 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
• Unlimited check writing, ATM withdrawals, and Debit Card purchase

Money Market Fund Account
• Interest-bearing account *
• Interest will compound daily. Interest will be credited to your account monthly.
• The interest rate and annual percentage yield will depend on the applicable tiers for these accounts as listed below:
(no interest will accrue on the days your balance is below $1,000)
  · $1,000 to $24,999.99 *
  · $25,000 to $49,999.99 *
  · $50,000 to $99,999.99 *
  · $100,000 to $249,999.99 *
  · $250,000 and over *
• $100 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 *
• Interest will compound daily. Interest will be credited to your account quarterly.
• $100 minimum to open
• $100 minimum to avoid monthly maintenance fee
• $5.00 monthly Service Charge for Maintenance fee if balance falls below $100 during the month
• Customers 21 years of age and younger, and customers 65 years of age and older will be exempt from the Service Charge for Maintenance fee.
• A limit of 6 transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or point of sale, or similar order to third parties per month.
• $5.00 per item fee for over 3 limited debits per statement cycle



Certificates of Deposit

90 Day Certificate of Deposit
• $1,000 minimum to open
• Interest will be compounded daily *
• 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 will be compounded daily *
• 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 will be compounded daily *
• 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

18-24-36-48-60 Month Certificate of Deposit
• $1,000 minimum to open
• Interest will be compounded daily *
• 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 daily *
• 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).

Rev 05/2014



Goliad National Bank
1402 US Hwy 59 N
Goliad, TX   77963
ph: (361) 645-4070 fax: (361) 645-4080


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


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