Personal Products and Services
Personal Checking
 
  • Checking Accounts with the option of an account with no maintenance fee OR an account with a possible maintenance fee which includes an image of checks in the monthly statement.
    • Unlimited withdrawals
    • Monthly statement
    • 24 hour access via voice response and by internet banking no fee
    • 24 hour access to Internet Bill Pay $5.95
    • Consumer account only
  • Interest Bearing Checking
    • Unlimited withdrawals
    • Monthly statement
    • Interest earned on average daily collected balance
    • No monthly maintenance fee with a minimum balance
    • 24 hour access via voice response and by internet banking no fee
    • 24 hour access to Internet Bill Pay $5.95
    • Consumer account only
     

Personal Savings

 
  • Interest Bearing Money Market Demand Account (MMDA)
    • Per regulations transactions are limited to 3 third party checks or 6 preauthorized or automatic transfers per statement cycle
    • Excess debit fee will be charged for each withdrawal that exceeds the restrictions
    • No monthly maintenance fee with a minimum balance
    • Interest earned on average daily collected balance
    • 24 hour access via voice response and by internet banking no fee
    • Consumer account only

 

  • Interest Bearing Savings Account
    • Per regulations transactions are limited to 3 third party checks or 6 preauthorized or automatic transfers per statement cycle
    • Excess debit fee will be charged for each withdrawal that exceeds the restrictions
    • No monthly maintenance fee with a minimum balance
    • Interest earned on average daily collected balance
    • 24 hour access via voice response and by internet banking no fee
    • Consumer account only



Certificates of Deposit
  • 90 days
  • 182 days
  • 1 year
  • 2 years
  • 3 years
  • 4 years
  • 5 years
  • Rates are available for Certificates of Deposit under $100,000 and over $100,000
  • Eligibility: Consumers, Corporations, Sole Proprietors, Organizations, Government Entities, and Partnerships
  • Penalty for early withdrawal
  • Individual Retirement Accounts

Individual Retirement Accounts

  • Types of IRAs Offered:

Traditional

Roth

Coverdell Educational

  • Terms of IRAs offered:

Fixed rate

Variable rate

  • Eligibility

IRAs are for individuals only

  • Opening Deposit $500

 

Penalty for early withdrawal.


Loans

First National Bank of Huntsville has the loan products to fit your personal or business needs, offering competitive rates and a quick response time. All loan decisions are made locally.

Consumer Lending

  • Auto Loans
  • Boat Loans
  • Mobile Home Loans
  • RV Loans
  • Personal Loans
  • Priority First
  • Overdraft Protection
  • 24 hour access via Internet Banking - no fee

Real Estate Loans

  • Home Loans (Permanent/Construction)
  • Affordable Housing Loans
  • Home Improvement Loans
  • Home Equity Loans
  • Farm and Ranch Land Loans
  • 24-hour Access via Internet Banking – No Fee

All loans are subject to credit approval. Equal Housing Lender.


Other Services

Priority First

  • Overdraft protection / credit line
  • Credit limit: $2,500 minimum $5,000 maximum
  • Credit approval required
  • Funds automatically transferred into your checking account when needed
  • Minimum monthly payment will be 5% of outstanding balance or $25 whichever is greater
  • 24 hour access via Internet Banking - no fee
  • Repaid by automatic withdrawals from your checking account or payment in full
  • Consumer account only

All loans are subject to credit approval. Equal Housing Lender.

Automatic Teller Machine

  • No charge for transactions at First National Bank of Huntsville's 6 ATM locations:
    • 1300 11th St.
    • 3011 11th St.
    • Sam Houston State University AB1 Building
    • Sam Houston State University Post Office
    • Huntsville Memorial Hospital
    • Crockett Bank, a division of First National Bank of Huntsville, 617 Houston Ave., Crockett, Texas
    • The Bank of Madisonville A Division of First National Bank of Huntsville
      333 N. May Street P.O. Box 637 Madisonville, Texas 77864
  • No charge for point of sale transactions
  • $5.00 ATM card replacement
  • $1.25 withdrawals at foreign ATM's
  • ATM withdrawals up to a maximum of $400.00 each business day may be made at participating automatic teller machines

Visa Debit Card

  • No charge for transactions
  • $5.00 Visa Debit Card replacement
  • Credit Approval required
  • Use like a check anywhere VISA Debit Cards are accepted
  • Funds deducted from your checking account
  • Maximum of $400 Visa Debit Card purchases each business day
  • Consumer account only

Teller Phone

Huntsville (936) 294 - 8088 / Crockett (936) 546 - 2257

  • Access information by telephone 7 days a week, 24 hours a day - no fee
  • Obtain an account balance on your checking, savings, loan, or certificates of deposit
  • Verify checks paid by number or last five checks paid
  • Verify deposits
  • Reorder checks
  • Transfer funds - checking, savings, or loans
  • Obtain current interest rates for certificates of deposit and loans

Safe Deposit Boxes

  • Variety of sizes
  • 20% Discount with Premier Plus Checking

Automatic Transfers

  • Overdraft Protection
  • Preauthorized transfers per schedule
  • Interest payment
  • Loan payment
  • Safe Deposit Box payments

Direct Deposit

  • Funds deposited directly to bank