Consumer Loans	Mortgage Loans
Consumer Deposits	Business Loans
24-Hour Telebanking	Business Checking
On-Line Banking	Other Services
On-Line Bill Pay	Club Account
MasterCard Check Card	Check Card Questions and Answers

Consumer Loans

First National Bank offers a full-array of consumer loans including auto loans, unsecured, home construction, and mortgage loans. So if you are looking to purchase a new home or car, fix up your current home, or you just want to take a dream vacation, FNB has the loan for you. For more information, please contact Maria Sibley in Spearman or Chris Johnson in Dumas.

Mortgage Loans

We offer home loans at nationally competitive rates.  Why risk dealing with someone you do not know to get your home loan?  Give us a call to arrange for a rate quote.

Business Loans

Do you have an existing business you want to expand or looking to start a new business?  We are Spearman's small business bank.  With decisions made locally, we can meet your business needs, and we have the products to be your business partner.  Our product line includes the following: Term loans for Real Estate and Equipment Agriculture Loans Revolving  Lines of Credit Construction Loans Letters of Credit SBA Loans

Consumer Deposits

Checking	Savings	Money Markets
CD's	IRA's	Health Savings Accounts

First National Bank offers a wide array of consumer deposit accounts.  Below are brief descriptions of some of those products.  For more information and other disclosures please contact us.  See our "Contact Us" page for telephone numbers and email links.

Checking FNB offers a You First Club account.  Click here for full details. We also offer Freedom Checking:  No minimum balance with unlimited check writing.

Regular Savings  Simple and convienient savings accounts: ATM card access, interest compounded daily and no passbook required. Christmas Club Savings Account Let us automatically stash away some cash each month.  We'll pay you a higher rate of interest than our regular savings account and send you the account balance the first week in November, just in time for the Christmas shopping season.

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Money Markets For the consumer looking for a higher return, FNB offers a money market account with competitive rates.  Interest is credited monthly.

You First Club Benefits

Regular Checking No additional service charge regardless of balance	Interest Checking Interest bearing checking is eligible Normal account restrictions apply
For a low monthly fee you receive: Personalized Checks $10,000 Accidental Death & Dismemberment Insurance and $20,000 Common Carrier Extend a Loan Privilege Extended Warranty and 90-Day Casualty Protection Program 50% Discount for Wire Transfers Traveler's Checks Cashier's Checks Money Orders Notary Service Photocopies
65 or older? ask about our senior citizens discount
Contact us for more details

YOU'LL LOVE THE CONVENIENCE

Is my ATM/Check Card a credit card?
Where can I use my ATM/Check Card?
How do I use my ATM/Check Card?
What are the benefits of using my new ATM/Check Card?
How do I keep track of my purchases?
What if I want to return a purchase made with my ATM/Check Card?
What accounts can I access?
What about fees?
Can both my spouse and I have our own ATM/Check Cards?
What happens if my ATM/Check Card is lost or stolen?
What should I do if I cannot remember my PIN, or my card's magnetic stripe is damaged?
How can I get more information on your ATM/Check Card?

No. It is an enhanced First National Bank ATM card that can be used for payment on purchases anywhere MasterCard^® is accepted...just like a credit card is accepted... however, your purchases are being withdrawn from your First National Bank Checking Account.

You can use your new card anywhere MasterCard^® credit cards are accepted; retail stores, restaurants, supermarkets, travel agencies, hotels, airlines, etc. In fact, your card can be used at millions of locations around the world*. In addition, since your ATM/Check Card is "an enhanced ATM Card", you can use it at any First National Bank ATM or thousands of others displaying PLUS^®, PULSE^®, NYCE^® or MasterCard network logos.

*For security purposes your check card is sent to you with overseas capabilities disabled.  If you will need to use your card outside the US, Canada or Mexico please contact FNB, we will be glad to enable your card for overseas transactions.

When purchasing an item or service, it's as simple as using a credit card. When you make your purchase, you will sign a sales slip. The purchase amount will be withdrawn from the available funds in your First National Bank Checking Account. At an ATM, use your ATM/Check Card just as you would your ATM Card.

The conveniences are many. There's no need to carry your checkbook or to spend time writing checks. You won't need credit cards, identification or lots of cash. Your ATM/Check Card is all you need! It's a money saver too! There are no monthly or annual fees, no finance charges, no transaction fees other than at non-First National Bank ATM locations, and no credit card bills!

You will receive a receipt with each ATM/Check Card purchase and ATM transaction. You should record each amount in your check register. All purchases and ATM transactions will be listed in your monthly Checking Account statement.

No problem! It's just like you're returning merchandise purchased with a credit card. Just be sure to save your receipt in case you need to return an item. Your rights relating to funds and returned merchandise are the same as when you pay with cash or checks. You must resolve issues of this type directly with the merchant. It is the merchant's own policy on refunds and returns that govern these transactions.

For ATM use, you will be able to access the checking and savings accounts you designated on your application. ATM/Check Card purchases will be withdrawn only from your First National Bank Checking Account.

There are no fees when you make MasterMoney™ purchases, or when you use your card for a point-of-sale purchase which requires entering your Personal Identification Number, or PIN, rather than signing a receipt. You can use you card with no charge at all at First National Bank ATMs. However, there may be a fee for any withdrawal or transfer made at a non-First National Bank ATM.

Certainly, as long as each of you qualify, fill out, and sign an application.

Notify First National Bank immediately by calling (806) 659-5544 and asking for bookkeeping.  If it is after hours you will be given a telephone menu option to select.  We will stop the use of your card immediately and order you a new one.  If you are prompt in notifying us your liability in most cases for the lost card will not exceed $50.  For more detailed information, please refer to your Customer Agreement.

Simply stop by First National Bank or contact us by telephone during normal business hours. There are several ways to re-pin your card and the process is quick and easy. As a precaution, you should always be sure to replace your card in your wallet or protective case so that the magnetic stripe does not get marred or damaged.

Stop by First National Bank or give us a call.  Our phone numbers are listed on the "Contact Us" page.  We'll be happy to answer all your questions!

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