A base charge fee of $8.00 will be imposed if your balance falls below $800.00 on any day during the monthly statement cycle. THIS FEE WILL NOT APPLY TO PERSONS 65 YEARS OF AGE OR OVER UPON PROPER NOTIFICATION.
Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your account at any time.
At our discretion, we may change the interest rate on your account.
Interest will be compounded every month. Interest will be credited to your account every month.
If you close your account before interest is credited, you will not receive the accrued interest.
You must deposit $1,000.00 to open this account.
If your balance falls below $1,200.00 on any day in the monthly statement cycle, we will impose a base charge fee of $12.00 each statement cycle.
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 non-cash items (for example, checks).
Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your account at any time.
At our discretion, we may change the interest rate on your account.
Interest will be compounded every quarter. Interest will be credited to your account every quarter.
If you close your account before interest is credited, you will not receive the accrued interest.
You must deposit $1,500.00 to open this account.
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 non-cash items (for example, checks).
If your balance falls below $1,500.00 on any day in the monthly statement cycle, we will impose a base charge fee of $15.00 once during the statement cycle.
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, debit card, or similar order to third parties.
Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your account at any time.
At our discretion, we may change the interest rate on your account.
Interest will be compounded every quarter. Interest will be credited to your account every quarter.
If you close your account before interest is credited, you will not receive the accrued interest.
You must deposit $50.00 to open this account.
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 non-cash items (for example, checks).
Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per quarter with no more than three by debit card or similar order to third parties.
You will receive only an itemized statement - items will be retained by the bank.
Costs
A fee of $5.00 monthly maintenance fee will be imposed on your account if your balance falls below $50.00.
A debit charge of $3.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a quarter.
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.
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity.
You can withdraw only interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.
Penalties
If your account has an original maturity of one year or less: The fee we may impose will be equal to 31 days interest on the amount withdrawn subject to penalty.
If your account has an original maturity of more than one year: The fee we may impose will be equal to 90 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
Interest will be credited to your account annually.
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 non cash items (for example, checks).
You may make unlimited deposits into your account.
You may make withdrawals of principal from your account before maturity.
You can withdraw only interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.
Penalties
The fee we may impose will equal 31 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Think of your Debit MasterCard® as a "plastic check." Like an ATM card, the Debit MasterCard® is linked to your checking account, which means you can use it at ATMs around the world. And since Debit MasterCard® is also part of the MasterCard® network, you can use it just like a credit card to make purchases. But instead of charging purchases, the amount is deducted automatically from your checking account, so there are no finance charges. It is also easy to keep track of your cash, since your purchases are listed on your monthly checking statement.
It's Safe and Easy to Use
With the Debit MasterCard®, you do not have to carry large amounts of cash or a bulky checkbook. (One tip: Be sure to keep your receipts and record your purchases in your checkbook.) You will also enjoy an extra measure of privacy. Unlike writing a check, when you use the Debit MasterCard® you do not have to reveal your home address and telephone number. Plus, the Debit MasterCard® is faster than writing a check, since you do not have to present any identification.
Open Doors Around the World
The Debit MasterCard® is accepted anywhere you see the MasterCard® symbol. There are more than 12 million MasterCard® merchants worldwide. You can also use your card at places which normally do not accept checks. The Debit MasterCard® is so convenient, you can even use it to...
buy groceries and other goods at selected stores
make hotel reservations
order items by telephone or mail
Benefits of the Debit MasterCard®
Doubles as your ATM card
Accepted anywhere you see the MasterCard® symbol, yet there are no credit charges
Money to pay for purchases is deducted from your checking account
No I.D. or other personal information required
It is easy to keep track of your cash, since all transactions are listed on your checking statement
Construction (Residential, Multi-Family, and Commercial)
Permanent Mortgage (Residential Mortgage loans for 1-4 family dwelling units)
Commercial and Community development
Farm and Ranch
Agriculture Loans
Purchasing livestock
Farm and ranch operating lines
Farm and ranch implements
Commercial Loans
Unsecured business loans
Secured by securities
Secured by negotiable warehouse receipts
Secured by equipment
Secured by Certificates of Deposit
Secured by accounts receivable and inventory
Secured by accounts receivable and inventory
Government guarantees (FHA and SBA)
Municipal Bond purchases
Consumer Loans
Unsecured Personal Loans
Motor Vehicles
Purchasing consumer goods
Boats and recreational vehicles
Home Improvement - Including repairs, remodeling, and redecorating
Secured by Certificate of Deposit
Secured by stocks and bonds
Secured by cash value of life insurance policies
Credit Cards
Equipment Loans
Welding equipment
Fencing materials
Backhoes and bulldozers
Commercial vehicles
Tractors
NOTICE: CRA Disclosure Statement:
The effective trade area of The First National Bank of Mertzon, in some instances, reaches as far as one hundred miles plus, but special emphasis is placed on Irion and Tom Green counties, which include the Mertzon and San Angelo communities.
