A $50.00 deposit is required to open this account. With Simply Free Checking, there is no minimum balance requirement. With this account you may receive either an electronic statement or a paper statement, which will not include check images. Some fees may apply, please see fee schedule.
A $200.00 deposit is required to open this account. For a personal Demand Deposit Account (DDA), a $300 minimum balance is required at all times to avoid a monthly service charge of $3. First National Bank is proud to offer image checking - meaning when you get your statement each month you will also receive copies of your cancelled checks, arranged in numerical order by check number. These statement pages arrive on pre-punched 8 1/2 " X 11" paper for easy storage in our statement binders , provided to you free for the asking! Bank certified copies of your checks are available to you if you need them.
 You just deposit $1.00 to open this account. A minimum balance over $10.00 must be maintained to receive the current interest rate. Interest will be compounded every day and credited to your account every quarter. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Transfers from a Passbook Savings account to another account or to third parties are limited to six per statement cycle by preauthorized, automatic transfer or telephone transfer with no more than three by check, draft or similar order to third parties . A service charge fee of $ .25 will be charged for each withdrawal in excess of 12 during a quarter on balances under $500.00. Start saving today.
 First National Bank offers competitive rates on Certificates of Deposit, or CDs. They are available for maturity periods of 91 and 182 days, 12, 18, 30, or 36 months. Interest may be drawn out monthly, quarterly, semiannually, annually or at maturity. See our rate board for current rates of Certificates of Deposit from $1,000.00 to $99,999.99. The minimum balance required to open Certificates of Deposit with our posted rates is $1,000.00. Rates vary if Certificates of Deposit are less than $1,000.00. Call for rates on Jumbo Certificates of Deposit over $100,000.00. A penalty may apply for early withdrawal of Certificates of Deposit . Visit our nearest branch to learn more...we're just down the street in Camdenton, Osage Beach , Sunrise Beach and Lake Ozark.
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 Need cash? Use your First National Bank VISA debit card/Automatic Teller Machine (ATM) card. Debit cards make transactions as convenient as a stop at one of our seven ATM locations: the First National Bank branches including Camdenton Main Bank, Camdenton 54 Branch, Sunrise Beach Branch, Osage Beach Branch and Lake Ozark Branch, as well as Conoco on Highway 5 North in Camdenton, and at Tan-Tar-A Resort off State Road KK in Osage Beach. The Camdenton Main Bank location has two ATMs: a drive up ATM and another ATM in the vestibule entrance to the main lobby. The ATM in the vestibule at Camdenton is the only ATM that accepts deposits.
Use your debit card to withdraw cash, make deposits, transfer funds between checking and savings accounts and make balance inquiries. Your debit card may be used to make purchases at any merchant displaying the VISA logo.
Just present your card to the cashier, sign the receipt or enter your PIN number. The amount is deducted right from your checking account. You can also use your VISA debit card for any phone order; simply give them your card number and expiration date. (We suggest that you do not use your VISA debit card for purchases over the Internet. Studies show that almost 50 percent of all card fraud occurs on the Internet.) When you shop with the debit card, follow the same steps as a credit card. Instead of paying interest charges, your purchases are deducted right out of your bank account. All of the transactions will appear on your monthly bank statement with a reference to the merchant’s name and date.
Protect Yourself Against ATM/Debit Card Fraud:
- Sign your card as soon as it arrives.
- Do not leave your wallet or purse unattended in a public place.
- Do not give your PIN number to anyone. When entering your PIN number at a terminal, guard the number from anyone else's sight.
- Save all receipts and promptly compare them to your bank statement.
To properly dispose of your verified receipts, you should shred them .
What are the daily limits on Debit Cards?
Debit card limits for point of sale transactions- $1000
ATM withdrawals- $250
- To use your debit card
point of sale transactions, you must maintain a minimum balance of $50.
- You do not have a minimum requirement for ATM withdrawals.
- If there is not enough money in a customer's account to cover the purchase or withdrawal, the transaction will not go through.
Fees for Debit Cards:
First National Bank debit card- no charge
Replacement card- $5 by each cardholder effective January 1, 2004.
Credit Life on Debit Cards:
We offer credit life on debit cards from $10,000.00 to $30,000.00 in coverage for our customers. For rates and more information contact our customer service representatives.
We also offer business debit cards.
If your debit card is lost or stolen, call 1-800-528-2273.
When calling this number you will be asked where the bank is located. Answer: "Camdenton, MO", this is known as the "Lake of the Ozarks".
TERMS AND CONDITIONS
To our customers who have authorized electronic fund transfers: The Electronic Funds Transfer act and regulations adopted thereunder have provided that we disclose pertinent information to you about electronic fund transfers to and from your account. By electronic fund transfers we mean transactions that you initiate by means of your debit card (VISA check card) and preauthorized transfers to and from your account with us. If you have a VISA check card, you will have a security code, which will be hereafter referred to as "Code".
Section I. Debit Card (VISA Check Card)
A. Account Access: You may use your card to (1) withdraw cash from your checking or savings account(s), (2) make deposits to your checking or savings account(s), (3) transfer funds between your checking account(s) and/or savings account(s), and (4) make balance inquires. For point of sale transactions the VISA check card will only debit from your checking account. (5) The VISA check card may be used to make purchases at any merchant location displaying the VISA logo.
B. Limitations on Account Access: The dollar amount of point of sale transactions is limited to an aggregate amount of $1,000.00 per day. The dollar amount of cash withdrawals is limited to $250.00 per day. Accounts with less than a $50.00 balance cannot do a point of sale transaction.
C. Documentation of Transfers: Any time you use your card to activate the automatic teller machine it will provide you with a receipt, which you should retain, for your account reconciliation.
D. Consumer Liability: Generally, tell us AT ONCE if you believe your card and/or code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission, using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account(s) (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50.00 if someone used your card and/or code without your permission. (1) If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.00. (2) Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. (3) If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. (4) Additional Limit on Liability for VISA check card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA check card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number, which are not processed by VISA. If you believe your card and/or code has been lost or an unauthorized transfer has or may occur, call: 1-800-528-2273 or write: First National Bank P.O. Box 138, Camdenton, MO 65020.
When calling 1-800-528-2273 you will be asked where the bank is located. Answer: “Camdenton, MO”, this is known as the “Lake of the Ozarks”.
Section II. Other Disclosures Applicable to all types of Electronic Transfer Services
A. Account Information Disclosure: We will disclose information to third parties about your account or the transfers you make (1) where it is necessary for completing transfers OR (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau, merchant or financial institution, OR (3) in order to comply with a government agency or court orders, OR (4) if you give us written permission.
B. Periodic Statement: For any account to or from which electronic fund transfers can be made, the financial institution shall mail or deliver a
monthly (or shorter cycle) statement in which an electronic fund transfer has occurred, or at least a quarterly statement if no transfer has occurred.
C. Business Day Disclosure: Our regular business days are Monday through Friday. Holidays are not included. The automatic teller machine is available for use 7 days a week, 24 hours a day, unless: (1) temporarily out of service for extenuating circumstances, OR (2) temporarily out of service for balancing purposes.
D. Transaction Charges: Charges for withdrawals at foreign terminals: $1.00. Card replacement, and reissue fees will be $5.00 per incident paid by each cardholder effective January 1, 2004. The Bank may hereafter adopt other charges. New services and maintenance charges shall become effective 21 days after delivery of written notice to the customer.
E. Address and Telephone Number: If you believe your VISA check card/code has been lost or stolen or an unauthorized transfer has or may occur, call: 1-800-528-2273 or write: First National Bank P.O. Box 138, Camdenton, MO 65020
When calling 1-800-528-2273 you will be asked where the bank is located. Answer: "Camdenton, MO", this is known as the “Lake of the Ozarks".
F. Liability for Failure to Make Transfer: If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: if through no fault of ours, you do not have enough money in your account to make the transfer, if your funds are subject to legal process or other encumbrance restricting transfer, if the automatic teller machine where you are making the withdrawal does not have enough cash, if the system was not working properly and you knew about the breakdown before you started the transfer, if circumstances beyond our control (such a fire or flood) prevent the transfer.
G. Error Resolution Notice: If you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared. If you tell us orally, we may require that you send us your complaint in writing within 10 business days. We will determine whether an error occurred within 10 business days. If we need more time, however, we may take up to 45 days (90 days if the transaction involved a new account, a point of sale, or foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days. You may ask for copies of the documents that we used in our investigation.
- Camdenton - 573-346-3311
- Osage Beach - 573-348-3171
- Sunrise Beach - 573-374-9500
- Lake Ozark - 573-365-4212
 A $1.00 deposit is all it takes to open this account.
We use the daily balance method to calculate the interest on your Christmas Club account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.
You may make as many deposits as you'd like to your Christmas Club account. The minimum deposit at any time is $1.00, but deposits may be made in any odd or even amount.
Deposits may be made at any time throughout the year.
Checks will be mailed in October.
Deposits may be made at any time throughout the year, and checks will be sent in October.
This is the perfect account to ensure that you have holiday shopping money at the end of the year!
 A $1,000.00 deposit will open your Money Market account at First National Bank. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest will be compounded every month and then credited to your account. A service charge fee of $20.00 will be imposed every statement cycle in which the balance in the account falls below $1,000.00 any day of the cycle. Transfers from your Money Market account to another account or to third parties are limited to
six per statement cycle by preauthorized, automatic transfer or telephone transfer with no more than three by check, draft or similar order to third parties.
An excess withdrawal fee of $25.00 will be charged for each debit transaction in excess of six during a statement cycle.
A $500.00 deposit will open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded every month and credited to your account every month. A service charge fee of $7.50 will be imposed every statement cycle if the balance in your account falls below $500.00 any day of the cycle.
It just takes a $1,000.00 deposit to open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest will be compounded every month and will be credited to your account every month. A service charge of $20.00 will be imposed every statement cycle if the balance falls below $1,000.00 any day of the cycle.
First National Bank offers safe deposit boxes to our customers in the following sizes and annual rental rates: 3" x 5" x 24" for $10.00, 5" x 5" x 24" for $12.00, 3" x 10" x 24" for $18.00, and 5" x 10" x 24" for $30.00. At the Sunrise Beach and Lake Ozark Branches we have 10" x 10" x 24" boxes for $45.00.
We can order checks for any of our customers at any location. Contact us at any location about details.
Our Quick Draw plan means financial convenience. Our plan is designed to end checking account overdraft complications. Overdraft protection means that we've approved, in advance, a personal, unsecured loan to balance your account if you should overdraw. With our plan you avoid costly overdraft charges and embarrassing delays. Contact us at any location about details.
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NOW Account
