• Interest on balances of $1,500.00 and higher
  
• Additional $5,000 Travel Accidental Death Insurance ($10,000 total)
  
• Local and National Dining Savings
  
• Local and Online Shopping and Services Discounts
  
• Dicsounted Loans with Automatic Payment Deduction
  
• Preferred Certificate of Deposit Rates
  
• Free Notary Services
  
• No Fee Cashier's Checks (not to be used for paying monthly bills)
  

Free Checks
Receive your first order of 50 personally imprinted Antique checks at no additional cost, or receive a $10.00 credit towards the first order of any other checks we offer.

Free New Safe Deposit Box †
Receive a 3 x 5 safe deposit box free for one billing cycle* or a $20.00 credit towards a larger box (subject to availability).

† Safe Deposit Box contents are not insured by the FDIC nor by the bank.
* Our billing cycle is from January 1st to December 31st.

Travel, Hotel, and Recreation Discounts
Save up to 50% at over 15,000 hotels at popular destinations worldwide. Enjoy preferred rates at several of the nation’s largest condo resort rental companies and save 10-25% on car and RV rentals. Also, take advantage of discounts on golf and ski vacation packages, airfare, theme park admissions, sporting event tickets, and many other exciting activities.

Estimated Annual Value of $150

Comprehensive Travel Benefits
Get help with the personal service you deserve! As members, you have access to 24-hour emergency travel assistance, roadside assistance, concierge services, pre-trip travel advice, air travel coordination and more!

Estimated Annual Value of $30

Health Savings Programs
Members can save on prescriptions at over 57,000 participating pharmacies or order through the mail. Also, save up to 50% on frames and up to 25% on eyeglass lenses at over 10,000 optical and LASIK locations nationwide. Save over 15% on over 70 models of hearing aids through a nationwide network of hearing care offices. And, you’ll receive savings on high quality healthcare products and convenient solutions through 4everactive!

Estimated Annual Value of $200

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BONUS BENEFITS
A package of additional benefits available to our Free Checking and Interest Checking customers for only $4 per month.

Free Checks
Receive your first order of 50 personally imprinted Antique checks at no additional cost, or receive a $10.00 credit towards the first order of any other checks we offer.

$5,000 Travel Accidental Death Insurance
You’re protected with $5,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train).

Estimated Annual Value of $12

Payment Card & Personal Identity Protection
If you ever lose a registered credit, debit, or ATM card, simply call our toll-free number, and all your card issuers will be notified for you. Should you become an identity theft victim, you are eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity.

Estimated Annual Value of $30

Travel, Hotel, and Recreation Discounts
Save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy easy online access to discounts at properties such as Hilton, Sheraton, Holiday Inn, and many more! Enjoy preferred rates at several of the nation’s largest condo resort rental companies and save 10-25% on car and RV rentals. Also, take advantage of discounts on golf and ski vacation packages, airfare, theme park admissions, sporting event tickets, and many other exciting activities.

Estimated Annual Value of $150

Local and National Dining Savings
Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries.

Estimated Annual Value of $100

Comprehensive Travel Benefits
As members, you have access to 24-hour emergency travel assistance, roadside assistance, concierge services, air travel coordination and more!

Estimated Annual Value of $30

Identity Guard
Activate your 6-month free trial for IDENTITY GUARD® GOOD START identity theft protection and receive daily credit bureau monitoring and email alerts to prevent identity thieves from committing financial fraud in your name. And, credit education specialists are on call via toll-free hotlines to help you validate each inquiry and help if anything just doesn't seem right.

Estimated Annual Value of $100

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FREE CHECKING

• No Minimum Balance Requirement
  
• Unlimited Checking with no per check charges
  
• Free Internet Banking
  
• Free Bill Pay
  
• Free Visa® Check Card or ATM Card with STAR/PLUS and ALLPOINT access*
  
• Free Telephone Banking (Ultra Phone)
  

* Upon approval

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CLASSIC INTEREST CHECKING

• Maintain a $1500 minimum balance, and you’ll avoid the $10 monthly fee
  
• Check Images with Statement
• Free Internet Banking
  
• Free Bill Pay
  
• Free Visa® Check Card or ATM Card with STAR/PLUS and ALLPOINT access*
  
• Free Telephone Banking (Ultra Phone)
  

* Upon approval

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ADVANTAGE BUSINESS CHECKING

As easy as “ABC” ~ with No account analysis fee*. This is the perfect account for the medium sized small business that processes a higher number of transactions per month and typically maintains higher balances in their account.

• Minimum deposit to open account - $100.00
  
• Unlimited checkwriting availability
  
• No per transaction fees
  
• Combined monthly statement available for all business and loan accounts**
  
• Minimum daily balance to avoid low $10.00 monthly maintenance fee - $2,500.00 or if the account averages $5,000.00 for the month or you maintain $5,000.00 in any corresponding Money Market, Savings, or Certificate of Deposit account the monthly service charge would be waived
  
• Free Internet Banking and Free Bill Pay services
  
• Free Telephone Banking with “Ultra Phone”
  

* High volume accounts may be charged on an individual basis
**All accounts must be under the same CIF number for a combined statement

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FREE BUSINESS CHECKING

The optimal account for the small business owner with a low volume of transactions.

• Minimum deposit to open account - $100.00
  
• No minimum balance requirement
  
• No monthly maintenance fee
  
• No fee for the first 125 items* per statement cycle**
  
• Combined monthly statement available for all business and loan accounts***
  
• Free Internet Banking and Free Bill Pay services
  
• Free Telephone Banking with “Ultra Phone”
  

*Items include checks paid, checks deposited and deposit tickets
**.30 cents per item thereafter
***All accounts must be under the same CIF number for a combined statement

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BUSINESS INTEREST CHECKING

This account is available to Sole Proprietors, Not-for-Profit organizations and Government entities. Balance requirements must be met in order to obtain the stated Annual percentage Yield (APY) for this account and to avoid the monthly maintenance fee. This account comes with unlimited check writing and there are no per transaction fees on this account. Click here for annual percentage yield information.

Contact us for more information regarding this account.

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OTHER BUSINESS CHECKING OPTIONS

• IOLTA Checking – Interest on Lawyers Trust Accounts
  
• Non-Profit Checking
  
• State and Political Checking
  

Contact us for details or any questions you may have regarding these accounts. We will be happy to assist you in finding just the right account for your specific needs.

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BUSINESS STATEMENT SAVINGS ACCOUNT

• Minimum deposit to open account - $50.00
  
• Minimum daily balance to avoid $2.00 monthly service charge - $100.00
  
• 6 Transfers may be made from this account each 4 week or similar period
  
• Interest is compounded monthly and credited to the account monthly
  
• Click here for current Annual Percentage Yield information
  
• Internet Banking available
  

BUSINESS MONEY MARKET ACCOUNT

• Minimum deposit to open account - $1,000.00
  
• Minimum daily balance to avoid $8.00 monthly service charge - $1,000.00
  
• If the daily balance falls below $1,000.00, the rate and annual percentage yield will change
  
• Interest will be compounded monthly and credited to the account monthly
  
• 6 transfers may be made from this account each 4 week or similar period by pre-authorized or automatic transfer or by telephone. 3 of the 6 transfers may be made by check to third parties. Unlimited withdrawals may be made by Automated Teller Machine or in person with over the counter withdrawal slips
  
• Click here for current Annual Percentage Yield information
  
• Internet Banking available
  

Contact us for details or any questions you may have regarding these accounts. We will be happy to assist you in finding just the right account for your specific needs.

HIGH YIELD BUSINESS MONEY MARKET ACCOUNT

• Minimum deposit to open account - $50,000.00
  
• Minimum daily balance to avoid a $20.00 monthly service charge - $50,000.00
  
• If the daily balance falls below $50,000.00 the rate and the annual percentage yield will change
  
• Interest will be compounded monthly and credited to the account monthly
  
• 6 transfers may be made from this account each 4-week or similar period by preauthorized or automatic transfer or by telephone. 3 of the 6 transfers may be made by check to third parties. Unlimited withdrawals may be made by Automated Teller Machine or in person with over the counter withdrawal slips
  
• Click here for current Annual Percentage Yield information
  
• Internet Banking available
  

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CERTIFICATES OF DEPOSIT

Our Certificates of Deposit offer your business longer flexible terms to help your business get a guaranteed return on investment. With terms from six months to sixty months including a six month No Penalty Certificate of Deposit option, we’re sure to have an investment vehicle to meet your needs. Contact us for more information regarding our Certificate of Deposit accounts.

*Due to government regulations you may make 6 transfers from your account each 4 week or similar period.
**Due to government regulations, you are allowed no more than six preauthorized or automatic transfers per statement period. Of these, no more than three may be made by check.

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CDARS ~ CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE
One Bank, One Rate, One Statement

With our CDARS program, depositors can enjoy full FDIC insurance on deposits of up to $50 million dollars. Customers sign one agreement with us, earn a competitive interest rate and receive one statement for a guaranteed, secure investment.

CDARS is the perfect solution for Businesses and individuals with large cash reserves available for investment.

Contact us for more information regarding our CDARS or any other Business Savings plan options.

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OTHER BUSINESS PRODUCTS AND SERVICES

The following additional Products and Services are available to our business banking customers:

Cash Management Services

• Wire Transfers
  
• Coin and Currency*
  
• Ultra Pay payroll services for direct deposit of employees payroll
  
• Internet Banking and Bill Pay services
  

Merchant Services

First National is proud to offer our business customers Merchant Banking services that are designed to provide you with improved cash flow, increased revenue and time savings. We offer:

• Complete merchant card services with access to the Visa® and MasterCard® credit card networks.
  
• Pin Debit card processing via the STAR®, Interlink® and Maestro® networks.
  
• The ability to process other credit card transactions such as American Express® and Discover®.
  
• Full merchant processing and settlement support.
  
• Competitive pricing
  

Other Services

• Safe Deposit Boxes**
  
• Night Depository Services
  
• Federal Tax Depository Services
  
• Simplified Employee Pension Plans (SEPS)
  
• Gift Cards***
  
• Ultra Phone telephone banking
  
• Business Credit Cards****
  
• Visa Debit Cards****
  
• Collection Item processing
  

Business Loans

First National Bank of Wyoming offers many financing options for our business customers. We offer flexible terms and rates to fit most business financing needs. Contact us regarding your specific business financing needs.

• Commercial Lines of Credit
  
• Term Loans
  
• Commercial Real Estate Loans
  
• Agricultural Loans
  
• SBA Guaranteed Loans
  
• Land Purchase Loans
  
• Commercial Construction Loans
  
• Letters of Credit
  

Contact us for more information regarding our Business Banking products and services. We hope you will give us the opportunity to serve your banking needs.

*Coin and Currency services are provided to small volume clients. High volume and cash intensive businesses will be charged for these services on an individual basis.
**Safe Deposit Boxes are offered as available. Safe Deposit Box contents are not insured by the FDIC nor by the bank.
***Fees may apply to bulk purchases
****Upon approval.

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• Minimum deposit to open account - $50.00
• Minimum daily balance to avoid $2.00 monthly service charge - $100.00
• Automated Teller Machine (ATM) card available
• 6 Transfers may be made from this account each 4 week or similar period
• Interest is compounded monthly and credited to the account monthly
• Click here for current Annual Percentage Yield information
• Internet Banking available
  

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MONEY MARKET ACCOUNT

• Minimum deposit to open account - $1,000.00
• Minimum daily balance to avoid $8.00 monthly service charge - $1,000.00
• If the daily balance falls below $1,000.00, the rate and annual percentage yield will change
• Interest will be compounded monthly and credited to the account monthly
• 6 transfers may be made from this account each 4 week or similar period by pre-authorized or automatic transfer or by telephone. 3 of the 6 transfers may be made by check to third parties. Unlimited withdrawals may be made by Automated Teller Machine or in person with over the counter withdrawal slips
• Click here for current Annual Percentage Yield information
• Internet Banking available

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HIGH YIELD MONEY MARKET ACCOUNT

• Minimum deposit to open account - $50,000.00
• Minimum daily balance to avoid a $20.00 monthly service charge - $50,000.00
• If the daily balance falls below $50,000.00 the rate and the annual percentage yield will change
• Interest will be compounded monthly and credited to the account monthly
• 6 transfers may be made from this account each 4-week or similar period by preauthorized or automatic transfer or by telephone. 3 of the 6 transfers may be made by check to third parties. Unlimited withdrawals may be made by Automated Teller Machine or in person with over the counter withdrawal slips
• Click here for current Annual Percentage Yield information
• Internet Banking available

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We will transfer from your Overdraft Protection Savings account funds to cover any overdraft in the checking account you have designated, provided funds are available for withdrawal. We will charge a service fee of $5.00 per day a transfer occurs. There is a one- time setup fee of $5.00 to activate this account.

• Minimum deposit to open account - $50.00
• Minimum daily balance to avoid $2.00 monthly service charge - $100.00
• Automated Teller Machine (ATM) card available
• 6 transfers may be made from this account each 4 week or similar period
• Interest is compounded monthly and credited monthly
• Click here for current Annual Percentage Yield information
• Internet Banking available
  

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• No monthly service charge for minors under the age of 18
• 6 transfers may be made from this account each 4 week or similar period
• Interest is compounded monthly and credited monthly
• Click here for current Annual Percentage Yield information
• Internet Banking available
  

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COVERDALE EDUCATION SAVINGS ACCOUNT (ESA)

The First National Bank of Wyoming offers ESA’s as an investment tool for the purposes of paying for your child’s future educational needs. The Plan allows total after-tax contributions of $2,000.00 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax-free when used to pay for qualified education expenses.

Contact us for more information regarding these accounts.

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REGULAR CERTIFICATES OF DEPOSIT

Whether you want a short term or long term investment, First National has a Certificate of Deposit for you. All regular certificates are automatically renewable.

We offer terms from 6 months to 60 months. All our regular certificates require a minimum opening deposit of $500.00 and come with a guaranteed return on your investment, competitive interest rates and the security of knowing that all depositors are insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000.00. Click here for current Annual Percentage Yields and terms available.

SPECIAL CERTIFICATES OF DEPOSIT

Our special certificates include No Penalty and Ultra Riser certificates of deposit. All special certificates are automatically renewable.

No Penalty certificates require a $5,000.00 minimum opening deposit and offer a 6 month term. There is no penalty charged after the first 7 days. Click here for current Annual Percentage Yields and terms available.

Ultra Riser certificates require a $5,000.00 minimum opening deposit and are available for 24, 36, 48 and 60 month terms. At your discretion, you may raise the rate twice during the term you choose if our rates rise above the initial rate your certificate was opened for. Click here for current Annual Percentage yields available.

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SIMPLIFIED EMPLOYEES PENSION

A Simplified Employee Pension (SEP) is an employer-sponsored retirement plan whereby contributions are placed in employees' Traditional IRAs. Once in the Traditional IRA, these funds are like any other Traditional IRA funds. Assets are regulated by Traditional IRA rules concerning taxation, required distributions, rollovers and transfers, availability, etc. The employer does not administer the funds after they are deposited in employees' Traditional IRAs. Click here for current Annual Percentage Yields and terms available.

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