First National Bank of Las Animas
Personal Banking
Regular Savings
In Colorado, we know the value of saving, putting a little money away every month. At First National Bank, you’ll also get the pleasure of seeing your account balance grow on our interest bearing accounts.
Nine free withdrawals per quarter,
$1.00 per withdrawal after nine per quarter
Avoid Monthly Fee
Avoid Monthly Fee
$3.00 per quarter if the average daily balance for the quarter falls below $100.00
Easy Funds Access
Easy Funds Access
Nine free withdrawals per quarter, $1.00 per withdrawal after nine per quarter
Fees Summary
Monthly Fee
$3.00 per quarter if the average daily balance for the quarter falls below $100.00
Statement Options
Quarterly E Statement
Interest Options
Competitive Interest Rates
Monthly FeeStatement OptionsInterest Options
$3.00 per quarter if the average daily balance for the quarter falls below $100.00Quarterly E StatementCompetitive Interest Rates

Additional Product Features

  • Purchase alerts
  • Lost or stolen card reporting
Account Terms and Conditions
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Savings Account
Disclosure Statement

VARIABLE RATE INFORMATION
The interest rate on your account is .47% with an annual percentage yield (APY) of .47%. Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE: At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES: We may change the interest rate on your account at any time.

LIMITATIONS OF RATE CHANGES: There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING: Interest will be compounded quarterly and will be credited to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS
You must deposit $100.00 to open this account. A minimum balance fee of $3.00 will be imposed every quarter if the average daily balance for the quarter falls below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

BALANCE COMPUTATION METHOD
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.

ACCRUAL ON NON-CASH DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

FEES AND CHARGES:
The following fees and charges may be assessed against your account:

  • Close the account within 1 year of opening it: $10.00
  • After nine withdrawals per quarter a $1.00 per withdrawal fee will be assessed.
  • Stop Payment Fee: $25.00
  • Charge Back Item Fee: $7.00

Overdraft Charges: An overdraft charge will be assessed to a customer’s account when there is not sufficient funds to pay an item that has been presented for payment. Some examples of an item could include checks, debits, ACH items, electronic items, debit card items, ATM debits, etc. The OD Check Charge for a paid item is $32.00 per item, per presentment. The Returned Check Charge for a returned item is $30.00 per item, per presentment. For consecutive days overdrawn, the bank will charge $5.00 per business day, after the 5th day.

TRANSACTION LIMITATIONS
You may make any number of withdrawals when done in person or at an ATM. You are limited to six pre-authorized transfers (withdrawals) per month. This would include debit card transactions.

CURRENT RATE INFORMATION
The interest rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 11/03/2022. To obtain current interest rate and annual percentage yield information, please call 719-456-1512 or 888-803-2672.

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