First National Bank&Trust of Syracuse Nebraska

We offer a variety of checking accounts. We are sure you will find one to suit your needs.

First Basic Checking Account

This account offers no fee checking regardless of balance or activity; however you will not receive your canceled checks with your monthly statement.

Fees: None

First Premier Checking Account

With this account you will get images of your checks back in your statement. Service charges may be avoided by maintaining a low monthly balance.

Minimum Balance Requirements: Maintain a balance of $300 to avoid the $5 monthly balance fee.

Fees: A monthly balance fee of $5 will be imposed every statement cycle if the balance for the cycle falls below $300.
In addition, a per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, etc.) if the balance for the cycle falls below $300. Both the monthly balance fee and per item fee will not be charged to customers up to age 24, or to customers age 62 years of age or more and on Social Security or to N Club members.

This account is also available to organizations, with no minimum balance requirement and no fees.

First NOW Checking Account

This is an interest-bearing checking account for those customers who like to earn a competitive interest rate on their deposits. (Due to Federal regulation, this account is not available for corporations.)

Minimum Balance Requirements: A monthly balance fee of $5 may be avoided by maintaining a $750 balance.

Fees: A monthly balance fee of $5 will be imposed each monthly cycle if the balance for the cycle falls below $750. In addition, a per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, etc.) if the balance for the cycle falls below $750.

N Club Checking Account

This is an interest-bearing checking account for those customers that are 55 years of age or more. N Club members receive free basic checks.

Minimum Balance Requirements: A monthly balance fee of $5 may be avoided by maintaining a $300 balance.

Fees: No other fees pertain to this account.

Health Savings Account

This is an interest-bearing checking account specially designed for individuals covered by a High Deductible Health Plan. The funds may be accessed by check or by a free Health Savings VISA Check Card.

Minimum Balance Requirements: A $50.00 deposit is required to open this account. There is no minimum balance required.

Fees: A monthly fee of $2.00 will be imposed every monthly statement cycle. There is a closing fee of $25.00 if the account is closed within the first year.

Long Term Care Savings Plan Account

This is an interest-bearing checking account. Principal and interest may be withdrawn tax-free to reimburse long-term care expenses and long-term care insurance premiums. You must be a Nebraska taxpayer and at least 19 years of age.

Minimum Balance Requirements: A $50.00 deposit is required to open this account. A $50.00 minimum balance is required.

Fees: A monthly fee of $1.00 will be imposed every monthly statement cycle.

We offer many different types of savings accounts, one for your every need.

First Money Market Account

This is an interest-bearing account with the interest rate and annual percentage yield dependent upon the daily balance in the account. You may make six transfers from your account each monthly statement cycle, if by preauthorized or automatic transfer, or telephone (including data transmission). Three of these transfers may be made by check, draft or similar order, made by the depositor and payable to third parties. Transfers and withdrawals made in person or by mail are unlimited.

Minimum Balance Requirements: You can avoid a $5 balance fee by maintaining a balance of $2,500.

Fees: A per item fee of $5 will be charged for each check written to third parties in excess of three during a statement cycle.

First Savings Account

This is an interest-bearing account. Interest is compounded daily and credited to the account quarterly. Items will not be returned with your statement.

Minimum Balance Requirements: A monthly balance fee of $2 may be avoided by maintaining a $100 average daily balance. For customers up to age 24, this $2 service charge is waived.

Fees: Transfers and withdrawals out of the account made in person, by mail or at an ATM are unlimited, except for a per item fee of $2 for each transfer out or withdrawal in excess of three during the statement cycle. Withdrawals and transfers that are preauthorized, automatic or made by telephone transfer are limited to six per monthly cycle, with no transfers by check, draft, debit card or similar order to third parties.

Holiday Savings

An interest bearing account that helps you save for the holidays. Items will not be returned with your statement.

Minimum Balance Requirements: You must deposit $20 to open this account. You are required to make a $20 minimum deposit to this account monthly. This minimum monthly deposit is required to be by automatic transfer from another account at this institution. Other deposits may be made in addition to the minimum deposit required. On or around November 1 of each year, the balance in the account plus the accrued interest will be mailed to you by check.

Fees: None


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