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CHECKING ACCOUNTS
Personal Account - Our most popular account!
- Minimum deposit to open account - $50.00
- Unlimited checkwriting availability
- Visa Checkcard with Automated Teller Machine access available
- Minimum daily balance to avoid $5.00 monthly service charge - $400.00
- No monthly service charge if the average balance in the account is over $1,000.00 or if a $1,000.00 balance is maintained in any corresponding Savings, Money Market, or Certificate of Deposit accounts
- Internet Banking with Online Bill Payment available
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First Account - Our answer for those customers who write very few checks per month!
- Minimum deposit to open account - $50.00
- Visa Checkcard with Automated Teller Machine access available
- No minimum balance requirement. Account will be charged $1.00 per month service charge and $.20 per check written
- Internet Banking with Online Bill Payment available
- Minimum deposit to open account - $50.00
- No monthly maintenance service charge
- No minimum balance required after opening
- Free Visa/Debit CheckCard or Ultra Card
- Surcharge free at our ATM's with our card(s)
- Free Basic Online Banking
- Free Ultra Phone Access
- No per Item fee
- No Teller transaction fees
- Unlimited Check writing
- No Direct Deposit requirement
Senior Account - For senior citizens age 60 and older
- Minimum deposit to open account - $50.00
- No monthly service charge and no minimum balance requirement
- Unlimited checkwriting availability
- Visa Checkcard with Automated Teller Machine access available
- Internet Banking with Online Bill Payment available
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Student Checking Account - For full time students up to age 23
- Minimum deposit to open account - $50.00
- No monthly service charge and no minimum balance requirement
- Unlimited checkwriting availability
- Automated Teller Machine card available
- Internet Banking with Online Bill Payment available
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NOW Interest Bearing Checking Account
- Minimum deposit to open account - $1,500.00
- 1,500.00 balance must be maintained in order to avoid a monthly service charge of $10.00 and receive current APY
- Unlimited checkwriting availability
- Visa Checkcard with Automated Teller Machine access available
- Interest is compounded monthly and credited monthly
- Click here for Annual Percentage Yield information
- Internet Banking with Online Bill Payment available
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ULTRA NOW Interest Bearing Checking Account
- Minimum deposit to open account - $3,000.00
- $3,000.00 balance must be maintained in order to avoid a monthly service charge of $15.00 and receive current APY
- Unlimited checkwriting availability
- Visa Checkcard with Automated Teller Machine access available
- Interest is compounded monthly and credited monthly
- Click here for Annual Percentage Yield information
- Internet Banking with Online Bill Payment available
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SAVINGS ACCOUNTS
Statement Savings 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 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
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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Overdraft Protection Savings - Consumer accounts only.
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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Minor Savings Account
- 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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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.
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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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Individual Retirement Accounts
First National offers Traditional, Roth, Education IRA's, and Simplified Employee Pension with various terms for your retirement planning needs. Click here for current Annual Percentage Yields and terms available.
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Christmas Clubs
Be prepared for your holiday shopping needs. We offer $10.00 and $20.00 clubs with an automatic deduction from your account at the bank. It's an excellent way to save for your holiday shopping needs.
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BUSINESS ACCOUNTS
Business Checking - No account analysis fee**
- Minimum deposit to open account - $100.00
- Unlimited checkwriting availability
- Minimum daily balance to avoid $10.00 monthly service charge - $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.
- **High volume accounts may be charged on an individual basis.
- Internet Banking available with Online Bill Payment available
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Basic Business Checking - For small side business account holders (Sole Proprietors)
- Minimum deposit to open account - $100.00
- Minimum daily balance to avoid $7.00 monthly service charge - $800.00
- No monthly service charge if the average balance in the account is over $2,000.00 or if a $2,000.00 balance is maintained in any corresponding Savings, Money Market or Certificate of Deposit account.
- 10 checks processed per month at no additional charge
- Excess per check charge $.30 each
- Internet Banking available with Online Bill Payment available
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Other Business Products and Services
- Visa and Mastercard Merchant Services
- Ultra Pay - Direct deposit of your company's payroll into your employees account whether they bank with us or not, saving you and your employees time and money
- Night depository service
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Miscellaneous Products and Services
At First National Bank of Wyoming, we offer a variety of financing options with competitive interest rates and flexible terms for all types of consumer loans. Contact us about your specific financing needs.
- Personal Loans
- Auto Loans
- Boat Loans
- Mobile Home Loans
- Student Aid Loans
- Home Mortgages
- Home Improvement Loans
- Home Equity Credit Lines
- Home Equity Loans
- Visa and Mastercard Credit Cards with ScoreCard*
- Land Purchase Loans
*Scorecard do not apply to Commercial Cards.
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.
- Agricultural Loans
- Small Business Loans
- SBA Guaranteed Loans
- Commercial Lines of Credit
- Commercial Mortgages
- Term loans - for the cyclical ups and downs that businesses face
- Land Development Loans
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Other Miscellaneous Services
- Ultra Phone - Bank by phone
- Visa Checkcards
- Automated Teller Machine cards with STAR and PLUS network access
- Drive-up ATM's
- Bank by Mail
- Notary Services
- Direct Deposit
- Night Depository
- Wire Transfers
- U.S. Savings Bonds
- Safety Deposit Boxes
- Credit Life and Accident & Health Insurance on Consumer Loans
- Money Orders
- Travelers Checks
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Internet Banking
First National's Internet Banking product allows our customers to access their accounts using their home computer. There are many options available including Online Bill Payment. Stop by any branch location for a demonstration.
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