FLNB ATM Account
- Our FLNB ATM Account is for those who do not desire a checkbook but need the convenience of a deposit account. With the ATM Account, you may have only ATM or POS (Point Of Sale) transactions, and only ACH (Automated Clearing House) deposits. This account is strictly an electronic account, no over-the-counter checks or deposits are allowed. There is a fee of $1.00 for a Off Premise ATM Withdrawal.

Overdraft Privilege Policy
- Overdraft Privilege will provide you with the ability to overdraw your account, up to $300 for "Free Checking" accounts and up to $500.00 for other Personal Checking accounts. As long as your account has been open 30 days and maintained in good standing, defined as A) Making regular deposits sufficient to cover your transactions; B) Bringing your account to a positive balance - meaning not overdrawn for more than thirty days consecutively - and; C) There are no legal orders outstanding on your account, we will normally honor (pay) your overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds (NSF) Charge(s).

Cash Management
- To help you save on a monthly basis, we can set up an auto transfer from your checking account to your savings account. You tell us how much and we do the rest.

FLNB Overdraft Protection
- If the balance in your checking account is not sufficient to pay a check, money can be transferred from a related account to prevent an overdraft and the related insufficient service charge. The cost of this service is $2.00 per daily transfer. Funds moving from a Savings Account is limited to six (6) transfers per month.

FLNB Overdraft Loan
- If the balance in your checking account is not sufficient to pay a check, the money can be transferred from an approved line of credit established for you. You can repay the loan at any time or make regular monthly payments. Please see your Loan Officer for more details.

FLNB Investment Services - Securities and insurance products provided by PrimeVest Financial Services, Inc. Primevest Financial Services, Inc. is an independent, registered broker-dealer. Member SIPC / FINRA. Securities and insurance products offered by PrimeVest: * Not FDIC insured * May go down in value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

*Insurance products or annuities are offered through FLNB Insurance Agency, Inc. The insurance product or annuity is not a deposit or other obligation of, or guarantee by, First Liberty National Bank or FLNB Insurance Agency, Inc. The insurance product or annuity is not insured by the Federal Deposit Insurance Corporation (FDIC), any other agency of the United States, First Liberty National Bank, or FLNB Insurance Agency, Inc. In the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the possible loss of value.