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First National Bank of Milaca offers you choices in how to manage and save your money. We take pride in the products and services we offer. We strive to meet your personal banking needs by ensuring a great experience.


Easy Access Checking Account

Fingertip Access.  A perfect fit for the person on the move.

Benefits
Requirements
  • $25 minimum opening deposit
  • Online Banking enrollment

See Common Fee Schedule for related fees and charges

1 Subject to $3 printed statement fee if e-statement enrollment cancelled

Classic Checking Account

Simple – No bells, no whistles, no worries. A checking account for anyone.

Benefits
Requirements
  • $25 minimum opening deposit
  • $3 printed statement fee1

See Common Fee Schedule for related fees and charges

1 Fee is waived if enrolled in online banking e-statements

NOW Account

Convenience of checking. Earning ability of a savings account.

Benefits
Requirements
  • $500 minimum daily balance or $1,000 average daily balance for a statement cycle
  • $5.00 monthly service charge plus 25¢ per debit if account falls below required balance
  • Online Banking enrollment
  • Individual or non-profit use

Fees and charges may reduce earnings


See Common Fee Schedule for related fees and charges

1 Subject to $3 printed statement fee if e-statement enrollment cancelled

Money Market Deposit Account (MMDA)

Flexible savings account that earns you money and gives you convenient access to your money.

Benefits

Requirements

  • $2,500 minimum opening deposit
  • $7 monthly service charge if daily balance falls below $2,500
  • Limitations on certain withdrawals and transfers**

Fees and charges may reduce earnings


See Common Fee Schedule for related fees and charges

**Federal Law (Regulation D) limits certain types of withdrawals and transfers from a savings or money market account (MMDA) to a combined total of six (6) per account cycle (calendar month).  This includes, but is not limited to, pre-authorized withdrawals such as automatic Ready Transfer used for overdraft protection and transfers made by telephone, online banking, mobile banking, telephone banking, facsimile, or bill pay;  debit or ATM card point-of-sale (POS) purchases; and withdrawals made by check or draft to third parties.  If limitations are continuously exceeded, the account may be converted to a Checking account.

Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made in person at any one of our branch offices, by mail, messenger, ATM, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

Teen Checking Account

Fingertip Access.  A perfect fit for the teen on the move!

Benefits

  • No minimum balance
  • Easy access to online e-statements1
  • Free Online/Mobile Banking
    • Mobile Deposit for easy access deposits
    • Account email and text alerts to help monitor your account
    • My Spending  helps you track your spending habits
    • Export transaction history to other management software tools
  • Quick access to online statements with e-statements1
  • Free Direct Deposit

Requirements

  • Primary account holder must be between ages 13 and 17
  • Joint with parent or legal guardian
  • $25 minimum opening deposit
  • Online Banking access – requires parent or legal guardian authorization

See Common Fee Schedule for related fees and charges

1 Subject to $3 printed statement fee if e-statement enrollment cancelled