Checking Accounts

Hometown Checking Account Hometown Checking Plus Account Hometown Family Account
Student Account First Generation Account First Generation Select Account
A+ Account Business Account Overdraft Privilege

Hometown Checking Account

  • Just a $100 Minimum Balance
    A maintenance fee of $9.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.
  • First Order of Personalized Checks
    Receive one box of special member checks (pre-selected style) free or take advantage of a discount on designer checks.
  • 24-Hour ATM Banking
    Now when you receive your debit or ATM card after you open your Hometown Checking account you can make deposits, withdrawals or transfers with the 24-hour teller machines, or make transfers or withdrawals at any Star or Cirrus ATM location.
  • $5,000 Accidental Death and Dismemberment Insurance
    You’ll be protected with $5,000 in accidental death and dismemberment insurance 24 hours a day.
  • Payment Card Protection
  • Key Ring Protection
  • Savers Club®
  • Sojourns® Magazine Subscription
  • Direct Deposit of Social Security and Payroll Checks

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Hometown Checking PLUS Account

In addition to the incentives Hometown checking offers, PLUS also offers:

  • No Minimum Balance Required!
    A maintenance fee of $6.00 will be charged each statement cycle
  • Personalized Checks
    Receive two boxes of special member checks free or take advantage of a discount on designer checks
  • Increased Accidental Death and Dismemberment Insurance
    Hometown Checking Plus members’ coverage increases to a total of $10,000 in Accidental Death and Dismemberment Insurance 24 hours a day. As a member, your Accidental Death coverage increases to $20,000 while traveling as a passenger on a Scheduled Airline.
  • Lock Box Rental
    A lock box is a safe and convenient way to keep all your important documents and other valuables safe.  Receive $3.00 off any lock box rental
  • N0-Fee Travelers Checks
  • First National MasterCard, or VISA® with approved credit
  • Everyday Rebate Rewards
    Get rewarded by purchasing items you use everyday! Save your receipts when you dine or purchase gas, groceries, clothing, pet supplies and much more. Send the receipts, up to $100 every quarter, and we’ll give you 10% back. You can receive up to $40 in cash back every year!
  • Medical Emergency Data Card
    Keep vital health and personal information on hand at all times with this convenient plastic card. In an emergency, medical personnel will have quick access to your current health profile. You can update your card every year.
  • Sojourns Travel Magazine
    Whether you’re a serious traveler, or you prefer to enjoy America’s beauty from the comfort of your home, vivid color photography and in-depth travel stories will satisfy your wanderlust.
  • Savers Club
    Everyday savings right at your fingertips!  Savers Club offers thousands of discounts you can use across the country or close to home. Save on movie tickets, theme parks, grocery coupons, car rentals and much more.  You can also save up to 50% on room rates at participating hotels, motels and inns worldwide.
  • Personally Registered Key Ring and Lost Key Return Service
    Help to retrieve lost keys.  With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you…at not additional charge.
  • Payment Card Protection
    Protect all your credit, debit, ATM and check cards in the event of loss or theft!  Register your card numbers  and with one phone call, you may cancel cards, stop unauthorized purchases and request new cards using our toll-free 24-hour number.

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Hometown Family Account

In addition to the incentive Hometown and PLUS offers, Family also offers:

  • No minimum Balance Required
    A maintenance fee of $8.00 will be charged each statement cycle
  • Increase Your Security With the Family Plan
    If you have a family or simply want the added security of increased protection, we recommend the Family Plan:
    -$20,000 coverage for members
    -$2,500 coverage for your spouse and each dependent child (if not already covered as an account holder).
    -Coverage for your entire family is just $2 extra per month
    -As a member, your Accidental Death coverage increases to $100,000 while traveling by licensed Common Carrier.
  • Rx Advantage™ Prescription Drug Program
    Your Rx Advantage card gives you discount pricing on many prescription medications at participating pharmacies nationwide. And you’ll have the added security of our prescription drug monitoring program alerting your pharmacist to important information about your prescriptions.
    *Medical Discounts are not insurance
  • NationasHealth Medical Supply Pharmacy
    You can receive up to 15% off the average retail price of diabetes testing products.  You’ll enjoy the convenience of having the supplies delivered right to your door.  No shipping charges will be incurred when you order through this trusted mail-order company.  All products come with a 100% guarantee for 30 days.  Some restrictions apply.
  • How to Join
    Just ask us. You can enroll as a member in minutes.  Then you can start enjoying all of these valuable benefits today!
    *Discounts are not insurance

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Student Account

  • Checking for Full Time High School or College Students
  • No monthly maintenance fee
  • 24-Hour ATM Banking
  • VISA® Debit/Credit Card

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First Generation Account

Classic Account and Select Account is for customers who are 50 years or older. 

Each account features the following benefits free of charge to the account holder:
FNBanking Online, Debit/Credit Card, Travelers Checks, Bank Checks,
Money Orders, Personal Photocopies, Notary Service, Automatic Draft Service, Financial Counseling

First Generation Classic Account (50 years and older)

  • Minimum balance to open the account
    You must deposit $50 to open this account
  • There is no maintenance fee associated with this account
  • Free Personalized Checks
    Our personally imprinted member checks are provided at no cost to you.
  • Safety Deposit Box
    Store your valuables in a personal-size safety deposit box with no rental fee for one full year.
    *Subject to availability.
  • Direct Deposit/Bank by Mail
    Safe and convenient.  Have your Social Security or other eligible check deposited directly into your account, or have your checks deposited through the U.S. mail.

First Generation Select Account (50 years and older)

  • Minimum balance to open the account
    You must deposit $50 to open this account
  • Minimum balance to avoid imposition of fees
    A maintenance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $250.00 any day of the cycle.
  • Premium CD Rates
    Select customers are offered special rates on all First National Bank Certificates of Deposit.
    We offer Certificates from seven days to four years!

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A+ Account

This account is available exclusively to K-12 Educators and Board of Education Employees.

  • No Fees and No Minimum Balance Required
  • First National MasterCard, or VISA® with approved credit
  • Education First Fund
    First National Bank awards grants for items which fall outside school budgets.
  • FREE A+ Checks
  • Overdraft Privilege, see below for more information
  • 24-Hour ATM Banking
  • Special Terms on Loans
  • Direct Deposit Capability
  • Bank Online or by Phone

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Business Account

Business Checking Account

  • No minimum balance
  • No monthly maintenance fee
  • No transaction charge
  • Easy to balance monthly statements
  • FREE return of check images for easy record keeping
  • FREE binder to keep your account organized
  • FREE coin and currency deposits
  • FREE customer service assistance
  • FREE FNBill Pay (up to 15 BillPays per month)
  • Internet banking
  • Order first debit card at no cost to you
  • Customer purchases checks

Business Money Market Account

  • Minimum opening deposit of $2,500
  • If balance falls below $2,500 a $6 service fee will be charged
  • Competitive interest rates
  • FREE return of check images for easy record keeping
  • FREE binder to keep your account organized
  • Internet Banking
  • Order first debit card at no cost to you
  • FREE coin and currency deposits
  • FREE customer service assistance
  • FREE FNBill Pay (up to 15 BillPays per month)
  • Easy to balance monthly statements
  • Transfers from a Money Market Account to another account or third parties by preauthorized,automatic, or telephone transfers are limited to six per month (Transactions made in person at the main office are unlimited)
    A $4 service fee will be charged for each debit transaction in excess of six during a statement cycle
  • Customer purchases checks

Business Savings Account

  • Minimum opening balance of $50
  • Must maintain a $50 balance to keep account open
  • Easy to balance quarterly statement
  • FREE customer service assistance
  • FREE internet banking
  • 2 FREE withdrawals per month. Any additional withdrawals will have a fee applied of $2 each.
    Withdrawals or transfers from a Business Savings Account to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six per calendar month (transactions made in person at the main office are unlimited)

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Overdraft Privilege

Overdraft Privilege Limits:

First Generation Select $1,000
First Generation  Classic $800
Business Checking $750
Personal Now $750
A+ Checking $500
Hometown Checking  $500
Hometown Plus $500
Hometown Family $500
Personal Checking $500


Items that may cause an overdraft are items created by check, in-person withdrawal, ATM withdrawal, or other electronic means.

An Overdraft Privilege Service is available as a benefit of a good banking relationship with First National Bank in accordance with our Discretionary Overdraft Privilege Policy.  Overdraft Privilege is not a line of credit.  This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to your account overdraft limit as outlined in our Discretionary Overdraft Privilege Policy.  Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from this Overdraft Privilege amount as items are paid.  It may be possible that your account will become overdrawn in excess of the Overdraft Privilege amount as a result of the assessment of a fee.  When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item.  Should an overdraft occur, your account will be charged the standard Nonsufficient Funds fee of $28 for handling each item that is paid by the discretionary Overdraft Privilege.  If your account balance remains overdrawn for longer than 7 days, we will charge your account a daily overdraft fee of $1 for each of the consecutive business days the account remains overdrawn, beginning with day 7.  Payment of any overdrafts will continue to be at the discretion of First National Bank.  

Customer Overdraft Policy
It is First National Bank’s policy to utilize the JMFA Overdraft Privilege® program to manage customers’ checking accounts and build good relationships with customers using the service. However, when a customer exceeds their privilege limit, our policy is not to permit further overdrafts.  First National Bank will disclose and charge a fee of $28 per item paid into overdraft which is the same fee charged for items that are returned.  It is our policy that these overdrafts must be covered within 30 days of the first occurrence of an overdraft or the privilege limits will be revoked.  Members will be notified of such removal. It is the policy of First National Bank not to allow employees and officers who are identified as insiders will be excluded from participation in the program.

The executive committee from time to time will set a cap if needed on the total dollar amount of all overdrafts.  If total overdrafts become an issue First National Bank will monitor total overdrafts on a daily basis, until this problem is brought back under control.

Upon each occurrence of an overdraft, First National Bank will immediately notify the customer by mail of the negative balance of the account and all fees assessed.  The Overdraft Privilege Administrator will utilize periodic mail and/or telephone contact with the customer in order to bring the account to a positive balance.  All accounts that remain in a negative status will be charged off by the 45th day or sooner if deemed to be uncollectible.  First National Bank will endeavor to identify heavy users, and contact them to see if they qualify for any other program or solution available.  First National Bank will counsel with willing heavy users on appropriate money management techniques that would avoid frequent overdrafts.

Decisions to approve overdrafts which exceed the customer’s Overdraft Privilege limit shall not be made based on a prohibited basis (e.g., race, color, national origin, sex, marital status, or age).

Our Overdraft Protection services allow you to link other sources you have with First National Bank of Waynesboro to your checking account in order to prevent overdrafts and are less expensive options than an overdraft.

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