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
· 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

< $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