First National Bank of Coleraine

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Personal Banking

Features: (click a feature below for more info)

• Mortgage Financing
• Additional Loans
• Checking Plans
• 24-Hour Convenience
• Direct Deposit

Mortgage Financing
Owning your own home. That's what the American dream is all about!!
If you're ready to take this important step, why not start out right...with
a visit to us. We'll help you cut through the maze of "mortgage talk"
so you can make the best possible purchasing decisions.
Our friendly and experienced professionals can help you select
the right type of mortgage for your particular needs. And, perhaps
most importantly, your mortgage will be handled on a personal
basis...by people you know and trust.
We take the time to work with you - whether you're shopping for your
first home, moving to a larger home, or considering a retirement
residence. We'll answer any questions you have and discuss the many
options available to you. Because finding the right mortgage is essential,
you'll discover that we offer a wide variety of loan packages tailored
to your individual situation.
When you're ready to make this major investment, remember that we
have the flexible loan plans you need - at rates you can afford!!

Additional Loans
When it comes to loans, we have everything you could ask for!!
That's right. From the perfect weekend getaway...to a sleek, new car...
to that special home you've always dreamed about...we give you easy
access to all types of loans. Whether it's for something you want or
something you need.
No matter what's in your plans - or what comes up unexpectedly - we're
the best source for getting the financing you need. That's because we
offer some of the most affordable, low-cost rates available, along with
flexible terms to match your budget and your lifestyle.
And now, we've made applying for a loan easier than ever before. Just
come in, tell us what type of loan you'd like, and we promise to strive for
the fastest possible response time!! If you have any questions about your
financial situation or are interested in applying for a loan, come in and talk
with one of our experienced loan personnel. We'll help you find the
answer that's right for you. We look forward to serving you!!!
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Checking Plans
The First National Bank of Coleraine has savings and checking accounts
that offer a variety of features. You can choose from the following:
• Platinum Account:
Free Platinum Account printed checks (or up to
$8.00 credit on other styles), notary service, and simple interest
on the daily balance. Minimum balance of $1,000 required. Service
charge of $8.00 is incurred if balance falls below minimum at any
time during the statement cycle.
• Money Market Deposit Account:
With a $2,500 balance, your money earns market interest rates,
calculated with simple interest daily and paid monthly. Lower
interest when balance falls below minimum. Customer pays for
check printing.
• Corporate Account:
These accounts are charged $10 during each statement cycle
and receive a credit of $.10 per $100 on the lowest balance during
that cycle.
• Copper Account:
Pay only $.15 for each debit transaction (withdrawal, checkpaid,
automatic transfer, or payment out of this account) with no minimum
balance required. Customer pays for printing checks.
• Bronze Account:
Write as many checks as you want for only $4.00 a month. No
minimum balance required. Customer pays for check printing.
• Silver Account:
Free Silver Account printed checks (or up to $8.00 credit on other
styles), no fee Travelers' Checks, notary service and free
deposit box, all for just $7.50 a month. No minimum balance.
• Crystal Account:
For non-profit organizations, students and customers with direct
deposit of their payroll. No minimum balance. No per-check
charges. Customer pays for printing checks.
• Gold Account:
No service fees with a monthly balance of $300. If account
falls below minimum, customer pays $1.00 plus $.15 for each
check written during the cycle. Customer pays for printing checks.
• Diamond Account:
For everyone 50 years and over. No minimum balance, no service
fees, free Diamond Account printed checks (or up to $8.00 credit
on other styles). No fee Travelers' Checks, money orders,
and notary service.
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24-Hour Convenience
Even if you don't have access to our Internet banking service, you still
have access to the bank when it's closed with the First National Bank
of Coleraine's telephone banking service. Simply call (218) 245 - 4000
anytime, 24-hours a day, seven days a week to check your balances,
transfer funds, and even apply for loans. The 24-hour phone bank is
one more way the First National Bank of Coleraine is working to
meet your needs.
FNBC also offers VISA Check Card and ATM debit cards to make
banking even easier. Our automated teller machines are conveniently
located and open 24 hours a day.

Direct Deposit
Enjoy the convenience and security of having your funds automatically
deposited in your account. The First National Bank of Coleraine provides
ACH services that will allow you to have your paycheck or government
check automatically deposited in your account. You will never have to
worry about forgetting a payment or getting to the bank on time again.
Stop in and talk to us about getting your account set up for direct deposit
or any of the other benefits our ACH services can provide.
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