Additional Services

Savings Bonds

U. S. Savings Bonds are backed by the full faith and credit of the United States and offer certain tax advantages and competitive interest rates. Two series are currently issued:

• EE Bonds
• HH Bonds

Savings Bonds may be purchased or redeemed at any FNB location.

Discount Brokerage

FNB offers a full array of investment services including a Discount Brokerage Service for stocks, options or tax-free bonds. An alternative for the self-directed investor at a discounted brokerage fee. Not FDIC insured.

Signature Guarantee

The Medallion Signature Stamp is affixed to stock certificates as an authentication of the signor/endorser of the security. First National Bank Banks offers this service for a fee.

Safe Deposit Box

Safe Deposit Boxes may be used to store small valuables or important papers. Boxes come in various sizes and pricing, subject to availability at all full service locations:

• 3 x 5
• 5 x 5
• 3 x 10
• 5 x 10
• 10 x 10

Overdraft Protection

An automatic transfer from a designated account to protect the account that has insufficient activity. Thereby, preventing an insufficient charge to the account.
Fees apply.

Overdraft Privilege

A privilege granted to accountholders to automatically overdraft their checking account. The privilege is granted once eligibility requirements have been met. The limits granted include:

• $500.00 for personal accounts
• $1,000.00 for commercial accounts

The normal insufficient check charge will be assessed.

Wire Transfers

Transferring of funds from one financial institution to another. Fees apply for domestic and international wires.