Hometown Checking Account

  • $50 Minimum Balance to Open Account
  • Just a $100 Minimum Balance 
    • When you keep a $100 minimum daily balance, you will avoid the monthly fee.  Should your balance drop below $100 any day of the statement cycle, a $9 monthly fee will be charged.  
  • First Order of Personalized Checks
    • Receive one box of special member checks (pre-selected style) free or take advantage of a discount on designer checks.
  • 24-Hour ATM Banking
  • Direct Deposit of Social Security and Payroll Checks
  • $5,000 Accidental Death and Dismemberment Insurance
    • You’ll be protected with $5,000 in accidental death and dismemberment insurance 24 hours a day.
    • The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.  *This group insurance product is not available in Kansas or Maine. 

    • Not a deposit, not FDIC-insured, not insured by any federal government agency, and not guaranteed by the bank.

Hometown Checking PLUS Account

  •  $50 Minimum Balance to Open Account, no minimum monthly balance required
  • Personalized Checks
    • Receive two boxes of special member checks (pre-selected style) free or take advantage of a discount on designer checks
  • 24-Hour ATM Banking
  • Direct Deposit of Social Security and Payroll Checks
  • Increased Accidental Death and Dismemberment Insurance
    • Hometown Checking Plus members’ coverage increases to a total of $10,000 in Accidental Death and Dismemberment Insurance 24 hours a day. As a member, your Accidental Death coverage increases to $20,000 while traveling as a passenger on a Scheduled Airline.
    • The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.  *This group insurance product is not available in Kansas or Maine. 
    • Not a deposit, not FDIC-insured, not insured by any federal government agency, and not guaranteed by the bank.
  • Lock Box Rental
    • A lock box is a safe and convenient way to keep all your important documents and other valuables safe. Receive $3.00 off any lock box rental.
  • First National Bank's Hometown Credit Card MasterCard® or VISA® with no annual fee with approved credit
  • All for Only a $6.00 Monthly Membership Fee.

Hometown Family Account

  • $50 Minimum Balance to Open Account, no minimum monthly balance required
  • 24-Hour ATM Banking
  • Direct Deposit of Social Security and Payroll Checks
  • Increase Your Security With the Family Plan
    • If a member has a family or simply wants the added security of increased coverage, we recommend the Family Plan:
      • Up to $20,000 Accidental Death and Dismemberment coverage for members.
      • Up to $2,500 Accidental Death and Dismemberment coverage for Spouse/Domestic Partner and each Dependent Child (if not already covered as an account holder).
    • As a member, Accidental Death and Dismemberment Insurance coverage increases up to $100,000 when traveling by licensed Common Carrier.  The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.  *This group insurance product is not available in Kansas or Maine. Not a deposit, not FDIC-insured, not insured by any federal government agency, and not guaranteed by the bank.
  • All for Only an $8.00 Monthly Membership Fee

Package Benefits Applicable to All Programs

  • Online Savings2 - As a member, you and your family can save at participating merchants with plenty of discounts to choose from including dining, health, shopping, automotive, recreation, home improvement, entertainment, and more.

  • Cash Back Rewards3 - Savings made simple! Earn cash back just for shopping online. Our secure online shopping network gives you access to hundreds of the nation’s best online retailers. You can earn money back by making qualified purchases through the Cash Back Rewards website and eligible cash back will be mailed directly to you. It’s that simple!
  • Everyday Rebates4 - You can receive 10% back, up to $20 per quarter, when you submit your receipts online. Receive up to $80 cashback every year just by submitting receipts for everyday purchases!
  • My Concierge Service - With My Concierge Service, you have access to a team of assistants to help with travel planning and reservations or shopping and dining recommendations. Whether you're staying home or traveling, we make it easy for you to find information from entertainment and sporting events to household and personal service including research and price comparisons you simply do not have time for!
  • Hotel Savings Network®5- We understand that finding the right hotel is important to you and getting great value at a participating hotel can mean more savings for you to enjoy your trip.
  • Identity Fraud Support Service - You have access to a highly trained team of specialists who are ready to provide assistance when you have been a victim of identity theft. This comprehensive service is designed to help with the hassle of clearing your good name.
    • Unparalleled Support Service - Highly trained identity theft specialists are on call to guide you through the fraud resolution process.
    • Personal Caseworker - If you have been a victim of identity theft, you will be assigned a caseworker to assist you through the process of restoring identity profiles and credit records.
    • Personalized Fraud Resolution Kit - Receive a personalized binder that includes educational information, government agency contact information, an activity log to track your case, personalized letters to send to credit bureaus, and financial institutions as well as instructions on how to file a police report and how to place fraud alerts with credit bureaus.
  • Card Patrol6 - Card Patrol is designed to help you prevent identity theft and fraud before they occur. Real-time, web-crawling technology that monitors underground chat rooms, websites, and blogs where thieves trade and sell stolen credit/debit card, bank accounts, and Social Security numbers.
1 The Accidental Death and Dismemberment benefit is provided to all members, along with all other benefits afforded as part of the program, and is administered by Franklin Madison Group in conjunction with Trilegiant Corporation and Trilegiant Insurance Services, Inc., through Financial Services Association (the "Association"). Upon enrollment in the program, you will automatically be admitted as a member of the Association. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. Insurance provided by Federal Insurance Company. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, P.O. Box 1600, Whitehouse Station, NJ 08889.
2 For dining discounts, printed online coupons may be required at some locations. Offer is not transferable and is valid once per visit. Offer not valid with any other special or promotion. Some offers may exclude gift certificates, alcohol, tax, and gratuity.
3 You must access the retailer’s link through the Cash Back Rewards website provided. Purchases you make by going directly to a participating merchant’s website do not qualify for cash back. Cash Back Rewards will be issued automatically via check and mailed within 90 days from date of purchase or when your minimum awards amount reaches $2.00, whichever is later. Visit www.my-cashrewards.com for complete terms and conditions. Participating merchants may change at any time without notice. Merchant restrictions and limitations are provided through each merchant’s landing page.
4 At the end of each quarter, submit an Everyday Rebate Request online at www.my-rebaterewards.com. Submit receipts for up to $200 of purchases to receive 10% back for a total of up to $20 each quarter (up to $80 annually). Receipts must be a minimum of at least $20 each quarter and membership must be active at time of purchase and redemption to receive a rebate. You will receive your 10% rebate check in four to six weeks.
5 Room availability varies by hotel/resort at time of booking and may not be available on all selected dates of travel, especially during peak travel seasons, such as holidays. Any savings/discount offers, where available or applicable, will be shown during travel/date of stay search. Price displayed is per room and reflects savings/discount offers where applicable. Room rate includes accommodations and any other inclusions or amenities as indicated. Savings based on average price per night selected, for the total amount based on double occupancy and your search Additional Resort Fees or other fees may apply. Other conditions may apply.
6 If suspicious activity is detected on your registered information, you will receive an e-mail notification within 24 hours informing you of the compromised data. This notification will instruct you to call the Fraud Support Service for additional assistance and information.