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© First National Bank
of Akron, Iowa
MEMBER FDIC


| CHECKING ACCOUNTS | SAVINGS ACCOUNTS |

Product descriptions contained herein do not take the place of required disclosures on personal and business deposit and loan accounts under applicable federal and state regulations. Please contact the First National Bank of Akron for disclosures appropriate to these accounts.



Checking Accounts

Advantage Free Checking
  • No maintenance fees
  • No minimum balance requirements
  • Unlimited check writing
  • Unlimited ATM/Debit Card usage
  • Required check safekeeping

Regular Checking

  • No maintenance fees and unlimited ATM/Debit Card usage if a minimum balance of $400, or an average balance of $1,000, is maintained
  • Free check images
  • If account balance drops below minimum requirements, maintenance fees will apply

NOW Checking

  • Interest bearing checking
  • No maintenance fees and unlimited ATM/Debit Card usage if a minimum balance of $600, or an average balance of $1,200, is maintained
  • Free check images
  • If account balance drops below minimum requirements, maintenance fees will apply

Super NOW Checking

  • Higher rate of interest (compared to NOW checking) if a minimum balance of $2,500 is maintained
  • No maintenance fees and unlimited ATM/Debit Card usage if a minimum balance of $2,500 is maintained
  • If account balance drops below minimum requirements, maintenance fees will apply

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Savings Accounts

Regular Statement Savings

  • No maintenance fees if a minimum balance of $100 is maintained
  • If account balance drops below $100, a maintenance fee of $1 will apply
  • Up to three withdrawals per statement cycle may be made, four or more are $1 each

Money Market Investment Account

  • Maintain a minimum balance of $1,500 and earn a higher rate of interest (compared to regular savings)
  • If account balance drops below $100, a maintenance fee of $1 will apply
  • Up to three withdrawals per statement cycle may be made, four or more are $1 each

Advantage Gold Savings

  • Higher rate of interest (compared to regular savings)
  • Must maintain a $10,000 minimum balance to obtain a higher rate of interest
  • Minimum withdrawals are $1,000
  • Up to six withdrawals per statement cycle may be made, seven or more and a fee may apply


Wild West Savings Account

  • Savings account for our younger savers under the age of 18
  • Open the account with a minimum of $20 and the First National Bank will deposit an additional $5 in the account (must maintain $20 or higher balance for six months or a $5 early withdrawal fee will be imposed)
  • When individual turns 18, the account becomes a regular savings account
  • If a minimum balance of $1,500 is maintained, a higher rate of interest will be earned


Certificates of Deposit

  • $1,000 minimum required to open a C.D.
  • Rates and terms as well as early withdrawal penalties are available by calling (712) 568-2472


Individual Retirement Accounts

Fixed Rate:

  • $1,000 minimum opening deposit
  • Same terms and penalties apply as for Certificates of Deposit

Variable Rate:

  • $25 minimum opening deposit
  • 18-month term
  • Penalty for early withdrawal is 182 days of interest

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