Advantage 24 ATM Card
- Withdraw cash, make deposits, check on account balances, or transfer funds, 24 hours a day.
- No charge for transactions made at our ATM, at a Community Cash member ATM or at an Allpoint Network member ATM.
- Your card is accepted at any ATM that displays the CIRRUS®, PLUS®, or PULSE® network logos.
- A $1.00 transaction fee will be charged for each transaction at an ATM not owned by us, not a Community Cash member, or not an Allpoint Network member.
- Use your card for purchases at any merchant which displays the PULSE PAY® logo. There is no transaction fee to use your card at a PULSE PAY® merchant.
- Set, reset, or change your PIN by calling our automated system 1-800-992-3808
- Lost / Stolen cards can be reported by calling 985-785-8411 during banking hours or 1-800-472-3272 during non-banking hours.
CheckAdvantage VISA Debit Card
Works like a check . . . only better. Use your checking account without writing a check. Simply present the CheckAdvantage card to the merchant, sign the receipt, and you are done. No waiting for check approval. Use it wherever VISA® cards are accepted or at any ATM displaying the VISA®, PULSE®, PLUS®, Community Cash logo, or Allpoint logo.
Set, reset, or change your PIN by calling our automated system 1-800-992-3808.
Lost / Stolen cards can be reported by calling (985) 785-8411 during banking hours or 1-800-472-3272 during non-banking hours.
Online Banking
Online Banking provides immediate access to your personal financial information at your convenience. View account balances, transaction history, process account transfers, pay bills, make loan payments or export your account information to your personal financial software. Allows access to Mobile Banking product.
Touch-Tone Banking
Call (985) 785-2216 to access your account information 24 hours a day from any touch-tone phone. With Touch-Tone Banking, check on account balances, verify checks and deposits, transfer funds, and make loan payments, all by telephone.
ACH Origination
The ACH (Automated Clearing House) payment system was created to help companies and consumers exchange payments electronically through their financial institutions.
Now businesses can achieve greater efficiency and improve their payment and collection processing activities via ACH payments and collections. Typical business uses are the collection of payments and payroll deposits. Our ACH origination software is easy to use and adaptable to your specific needs. ACH origination is also available for businesses via Business Online Banking.
Overdraft Privilege Service Policy
(A discretionary Overdraft Service)
The following outlines the terms of First National Bank USA’s Overdraft Privilege Service, a non-contractual, non-obligatory, discretionary courtesy provided to its customers as part of First National Bank USA’s commitment to providing convenient banking and superior customer service.
It is the policy of First National Bank USA (hereafter referred to as The “Bank”) to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standard.
The Bank will consider, as a discretionary courtesy, and not a right or obligation, paying reasonable overdrafts on accounts eligible and in good standing that have a non-sufficient balance rather than automatically returning, unpaid any non-sufficient fund items that you may have.
To be considered “eligible and in good standing” at least the following conditions are required and must continue to be satisfied:
- Your account has been open for at least thirty (30) days, and within that first 30 days aggregate deposits must be equal to or greater than $400;
- Your account must be brought to a positive balance at least once every thirty five (35) days;
- Your account is not currently being subject to any legal or administrative order or levy;
- You are not in default on any loan or other obligation to the Bank;
- You must continue to make deposits consistent with your past practices.
- You must make deposits of at least $400 in the first 30 days to qualify.
- This non-contractual, discretionary, courtesy will generally be limited to $700 overdraft (negative) balance for personal checking accounts and $1200 for eligible business checking accounts.
- Overdraft Privilege is available only to eligible personal and commercial checking accounts.
An insufficient balance may result from:
- The payment of checks, electronic fund transfers, or other withdrawal requests, including those that occur at the Automatic Teller Machine, through internet banking or through telephone banking;
- Returned, unpaid, item(s) deposited by you;
- Payments authorized by you;
- The imposition of bank service charges;
- The deposit of items that are not yet available, according to the Bank’s Funds Availability Policy.
Without sufficient funds in your account, the Bank is not obligated to pay any item submitted for payment. However, the Bank will consider, as a discretionary service, approving overdrafts for eligible accounts, (as described above). This non-contractual, discretionary, courtesy will generally be limited to a $700 overdraft (negative) balance for personal checking accounts and $1200 for eligible business checking accounts. Any and all bank fees and charges, including without limitation the prevailing non-sufficient funds/overdraft fees are included in this limit. (Refer to the Schedule of Bank Service Fees). The total overdraft amount plus all bank fees are due and payable on demand. Every account holder on the account is jointly and severally liable for all amounts due.
The Bank may refuse to pay an overdraft at any time and for any reason, regardless of your account status and regardless of whether the Bank has made overdraft payment for you in the past. You will be notified by mail of any non-sufficient funds items paid or returned. However, the Bank has no obligation to notify you prior to the payment or return of any item.
If you authorize a payment and the Bank creates and overdraft, pursuant to the policy outlined herein, you agree to pay us the amount of the overdraft and any applicable fees, immediately, without demand from us, unless you specify, in writing, that you wish to have all Non-Sufficient Fund payments returned.
Overdraft Privilege is a courtesy provided to Bank customers at the discretion of the Bank. It does not constitute an actual or implied agreement you and the Bank or an actual or implied obligation of or by the Bank. It is not a contractual obligation or a right of yours. The Bank reserves the right to change or cease this service at any time without prior written notice, reason or cause. The Bank may limit the number of accounts eligible for Overdraft Privilege to one account per household. Collection agencies may be notified it overdrafts are not paid as agreed to herein
Other Fees (Effective 08/30/2019)
| Cashier’s Check (to third party) $500 or less | $5.00 per check |
| Cashier’s Check (to third party) greater than $500 | $10.00 per check |
| Check Cashing (for non customers, not to exceed $1,000) | $25.00 per check |
| Check Printing Charge | Charge varies according to style and number of checks ordered |
| Collection Item (incoming & outgoing) | $20.00 per item |
| Cut-off Statement | $10.00 each |
| Deposited Checks Returned | $5.00 per check |
| Fax | $5.00 first page, $1.00 additional page |
| Inquiry – Non-Automated | $1.00 |
| Money Order (up to $250) | $2.00 per item |
| Night Depository Bag | $25.00 |
| Overdraft Fee | $30.00 per item |
| Outside vendor check and/or deposit rejects | $1.00 per item |
| Photocopy | $1.00 per page |
| Research and Reconciliation | $25.00 per hour plus $1.00 per page |
| Replacement ATM or CheckAdvantage card | $5.00 |
| Returned Item Fee | $30.00 per item |
| Safe Deposit Box | Fee varies with box size |
| Special Handling Charge (Levies, Garnishments, etc.) | $25.00 |
| Stop Payment Charge | $10.00 per item |
| Temporary Check | $0.25 per check |
| Transaction at an ATM owned by us or a Community Cash member, or an Allpoint member | No Charge |
| Transaction at an ATM not owned by us or a Community Cash member , or an Allpoint member | $1.00 |
| Transfer – Touch-Tone Banking | No Charge |
| Transfer – Easy Saver | No Charge |
| Transfer – Non-Automated | $2.00 |
| Wire Transfer Incoming | $15.00 |
| Wire Transfer Outgoing – Domestic | $20.00 |
| Wire Transfer Foreign – Outgoing International | $55.00 |
| Zipper Bag | $1.50 per bag |
