N.O.W Account
- Our N.O.W Account offers a regular checking account plus interest on your funds. We require a minimum opening balance of $100.00. You must maintain minimum average daily balance of $1,000.00 or more to be paid the accrued interest. If your average daily balance is $1,000.00 or more there is no monthly activity service charge, if your average daily balance falls below $1,000.00 there will be a monthly activity service charge of $10.00 applied to your account. The account has an Overdraft Privilege Limit of $500.00. *Some Restrictions Apply.

INTEREST RATES
- Deposit interest rates are established weekly based on existing money market rates and local conditions. For our current Certificate rates please view our Interest Rates page, see one of our Bank Representatives or call our First Line at 336-5290. Certificates are opened on a fixed rate basis, your interest rate will remain the same for the term of the certificate, regardless if the interest rate changes during the time that you have your certificate open.

Overdraft Privilege Policy
- Read the complete Overdraft Protection Policy here

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.