Account Products

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)

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
· Only 6 withdrawals allowed per statement cycle. No more than 3 by check, draft or point-of-sale, or similar order to third parties.
· $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

> $1,000 12 Month Certificate of Deposit
· $100 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 1 month interest may apply for early withdrawal prior to maturity

30-60-90-182 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 1 month interest may apply for early withdrawal prior to maturity

12 Month 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 1 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 annually *
· 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

Individual Retirement Accounts – Roth or Traditional

12 Month IRA Certificate of Deposit
· $100 minimum to open
· Unlimited deposits (up to the amount allowable by law)
· Interest is compounded at maturity *
· Penalty of 1 month interest may apply for complete early withdrawal prior to maturity

24 Month IRA Certificate of Deposit
· $100 minimum to open
· Unlimited deposits (up to the amount allowable by law)
· Interest is compounded at maturity *
· Penalty of 3 month interest may apply for complete early withdrawal prior to maturity

* Call 361-594-3317 or come by our office at 103 W 7th Street
in Shiner, Texas for current Interest Rate information.

First National Bank of Shiner
103 West 7th Street · P.O. Box 607
Shiner, TX 77984
phone: (361) 594-3317 · fax: (361) 594-4392
e-mail: web@fnbshiner.com
http://www.fnbshiner.com