First National Bank Syracuse-Johnson / Checking Accounts

Terms and Conditions

Checking Accounts

Personal Checking

Our most popular account, the regular checking account offers many benefits.

This checking account is perfect for those who consistently keep a $400 or more cushion in their savings account.

.01 minimum to open account
Discounts on checks and a consumer loan (with approved credit)
Increase of interest rate on a One Better CD
Direct deposit of payroll available
Direct deposit transfer to savings available
Free Debit and ATM card with approval
Access to overdraft protection
Detailed monthly statements
(No fee with a minimum savings account balance of $400 or more)
Statement Cycle Fee $4.00 Per Debit $.04
With Ready Reserve $5.00 Per Debit $.04
ATM Transaction Fee..see "ATM Transaction Fee"
Minimum to open - $.01.
.4% interest rate increase on a One Better CD with direct interest deposit
.4% discount on a consumer loan with direct debit and approved credit
40% discount on first order of 200 personalized checks (excl. Louisiana and Terrazzo styles)

This account is perfect for people who need the convenience of a checking account, but write only a few checks each month.

The same great benefits as our regular checking account plus we pay you interest.

Interest earned monthly on collected balance over $2500
Unlimited check writing
No service charge on a daily balance over $2500
Detailed monthly statement
Free ATM card
Access to overdraft protection
(No fee on minimum balance of $2500 or more)
Statement Cycle Fee $5.50
Per Debit $.06
ATM Transaction Fee..see "ATM Transaction Fee"
Minimum to open - $2500
Earns interest at rates comparable to money market rate, interest paid on collected balance.
No interest paid if balance falls below $2500.
Interest earned monthly on collected balance over $2500.
With Ready Reserve $6.50

Students (middle, high, and full time college) may open this scholarly account.