Personal Accounts

Prime Rewards

Description:	Prime Rewards is a high yield FREE checking account. To earn the Prime Rewards rate & receive automatic ATM refunds, perform 3 simple requirements each statement cycle: Make at least 10 debit card transactions (excluding ATM transactions) Receive a monthly Electronic Statement (must have an E-mail address) Access Online Banking See our rates » Read disclosures »
Requirements:	$25 minimum to open
Benefits:	No monthly fees No minimum balance requirements

Regular Checking

Description:	FNBD offers a free, non-interest bearing account to our personal and business customers to allow easy access to their money.
Requirements:	$25 minimum to open
Benefits:	No monthly service charge No minimum balance requirements

Now Account Checking

Description:	FNBD offers an interest bearing checking account with a minimum balance of $1,000 required.
Requirements:	$1,000 minimum to open Must maintain $1,000 balance to avoid service charge Available to individuals, sole proprietors, governmental units and certain organizations
Benefits:	Interest bearing account (rates change with market conditions) No limits on number of withdrawals per month
Cost:	$5 monthly fee if balance falls below $1,000

Money Market Plus Checking

Description:	FNBD offers an account where our customers can enjoy money market rates of interest and FDIC insurance protection.
Requirements:	$1,000 minimum to open Must maintain $1,000 balance to avoid service charge Up to six preauthorized withdrawals may be made each month, of which only three can be made by check or similar payment to third party. Available to individuals, sole proprietors, corporations, and partnerships
Benefits:	Interest bearing account (rates change with market conditions
Cost:	$5 monthly fee if balance falls below $1,000 $10 fee will be charged for each debit transaction in excess of limitations

Dream Team Checking

Description:	FNBD offers an interest bearing checking account specifically for our customers age 55 and older.
Requirements:	$2,500 minimum to open Age 55 or older
Benefits:	1 free order of personalized "Dream Team" checks per year Earns 1/4% higher interest rate than our NOW account rate No restrictions on number of withdrawals $5 discount on safe deposit box rent 10% discount on bank sponsored bus trips No fees charges on license stickers. Free photo copies (bank reserves right to limit the number)
Cost:	$5 monthly fee if balance falls below $2,500

Community Savings

Description:	This money market account makes it easy to have access to your investment while earning a competitive rate of interest.
Requirements:	$10,000 minimum to open Must maintain $10,000 to earn 6 month CD rate Most money market restrictions apply Available to individuals, sole proprietors, corporations and partnerships
Benefits:	Earns 6 month certificate of deposit rate with a balance of $10,000 or more Earns regular money market rate with a balance of less than $10,000
Cost:	$5 monthly fee if balance falls below $1,000 $10 fee will be charged for each debit transaction in excess of limitations

Passbook Savings Account

Description:	One of FNBD's most popular accounts that is ideal for savers who want the convenience of being able to make deposits and withdraws at any time.  This account is great to get the young savers in your family to learn about the value of saving money.  Our rates are tops in the area.
Requirements:	$10 minimum to open
Benefits:	Interest compounded quarterly

 

Certificates of Deposit

Description:	FNBD offers an insured investment with higher rates of interest, with wide range of maturities from 30 days to 5 years.  Be watching for our specials from time to time.
Requirements:	Minimum deposit varies with term
Benefits:	FDIC insured Automatically renewable Interest can be compounded or transferred to another deposit account automatically
Cost:	Interest penalty may apply for early withdrawal

 

Christmas Club and Vacation Accounts

Description:	FNBD offers accounts that allow customers to earn interest on their holiday or vacation money.
Requirements:	$2.00 minimum to open
Benefits:	Balance payable at the end of October Interest bearing account Free gift for opening account Automatic transfers can be set up from other deposit accounts
Cost:	Penalty for early withdrawal

Individual Retirement Accounts

Talk with one of our representatives for further information on Traditional and Roth IRA's

Description:	FNBD offers an account where our customers can set aside money during their working years that grows tax-deferred until they reach retirement age.
Requirements:	No minimum deposit required Earned Income

Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of reimbursing qualified medical expenses of you, your spouse, and your dependents.

Requirements:	No minimum to open Must be enrolled in a high deductible health plan (HDHP)
Rate Information:	Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. If you close your account before interest is credited, you will not receive the accrued interest. Interest will be compounded every month, interest will be credited to your account 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 noncash items (for example, checks). You will receive a monthly statement from us for this account.
Fees:	Initial Opening Fee: $10 Monthly Maintenance Fee: $2.00 Excess Transaction Fee: $5.00 per transaction.