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 Frequently Asked Questions

 

 

Business Banking

Commercial Checking Account


Minimum balance to open account  - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $7.50 will be 
imposed every statement cycle if the balance in the account falls below $1,500.00 any 
day of the cycle.
 


Money Market Account


Minimum balance to open account  - You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be
imposed every statement cycle if the balance in the account falls below $2,500.00 any 
day of the cycle.  

Your interest rate and annual percentage yield may change.  We may change the interest rate on your account at any time.  At our discretion, we may change the interest rate on your account.  Interest will be compounded and credited every month.

 
  • You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual annual percentage yield.
  • 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 on the business day you deposit non-cash items (for example, checks).
  • If you close your account before interest is credited, you will not receive the 
    accrued interest.
  • Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties.
  • An activity fee of $5.00 will be charged for each withdrawal to third parties in 
    excess of three during a statement cycle.

Statement Savings Account


Minimum balance to open account  - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.  These fees will be waived for churches and school related organizations.

Your interest rate and annual percentage yield may change.  We may change the interest rate on your account at any time.  At our discretion, we may change the interest rate on your account.  Interest will be compounded and credited every month.
 
  • 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 on the business day you deposit non-cash items (for example, checks).
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • Withdrawals from a Statement Savings Account are limited to three per four week period.
  • An activity fee of $.50 per withdrawal will be charged for each four week period in which withdrawals exceed three.

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Copyright 2007 First National Bank of Dublin.  All rights reserved.      

 P.O. Box 440 - Dublin, TX 76446