24-hour banking is at your disposal with FNB's automated teller machines, conveniently located at all five of our banking locations. We are affiliated with the Pulse ATM network, which allows you to access your account right here at home and at more than 100,000 locations worldwide. As a customer of FNB, you are not charged for using any First National Bank or Rayne State Bank ATM*. However, you may be subject to user charges when using other bank's automated teller machines, generally a fee of $1 per transaction plus a handling fee charged by that particular bank, if any. A card replacement fee of $10 is assessed when replacing your card.
To report a lost or stolen ATM or Debit Card, please call 1-800-899-8001 immediately (24 hours a day). *Please see the "Additional ATM Locations" page for details.
Carefree Overdraft Protection
invites you to apply today for Carefree Overdraft Protection, a
valuable service designed to protect your checking account from costly
and embarrassing insufficient fund returned items. Carefree Overdraft
Protection is a revolving credit line tied to your checking account; a
line of credit which transfers funds to cover your overdrafts when
necessary, thereby eliminating NSF charges or fees. An advance fee of
$4 will be assessed per $100 along with interest on the unpaid balance. (Maximum fee $25) Payments are
automatically deducted from your checking account at a rate of 8% of
the outstanding balance or $20, whichever is greater.
FNB also offers a Sweep Service, which is your authorized transfer of funds from one FNB account to another in the event of an overdraft. Sweep transfers take place in $100 increments; however, the last $50 will not be swept from the sweep account. You must maintain a balance exceeding this minimum amount to be eligible for Sweep Services. Sweep activity is limited, as required by law, if withdrawals are from an interest bearing account.
|Research||$20 hr. / $1 per copy||Fax-Outgoing||$4 first page / $.25 each additional|
|Telephone Transfer||$3.00 per item||Cashier's Check||$5 each|
|Instant Statement||$2 per request||International Wire||$50 per wire|
|Statement Reconciliation||$20 hr. / $1 per copy||Coupon Collection||$10 per paying agent|
(Paid or Returned Item)
|$23 per item (applies to overdrafts created by check, in person withdrawal, ATM withdrawal or other electronic means as applicable)||Notary Service||$25 per notary signature (additional charge for document preparation; not available at all locations; all parties must be present and provide all documents needed for transaction)|
|Stop Payment||$23 per item||Photocopy||$.50 per page|
|Temporary Checks||$1 per book||Wire Transfer||Outgoing - $15 per wire|
|Fax-Incoming||$2.50 first 5 pages / $.25 each additional||ATM / Debit Card Replacement Fee||$10 per card|
|Tax Levy||$25 each||Collection Item||$15 each|