Carlyle 594-2491 | Aviston 228-9100 | St. Rose 526-2230

Mobile Banking

Mobile Banking is an extension of our Internet Banking Service that offers the ultimate on-demand service.  Now you can access your account information from any mobile phone with text messaging, mobile web access or through a downloadable app.
Search “Fiserv TouchBanking” to find our app. Use App Code: GoMobile0702

Click Here for our Mobile Banking brochure.

Debit/ATM Cards



Debit Card – MasterCard Secure Code
:
The internet is one of the most convenient ways to shop as more and more retailers are online. Our top priority is to provide you with a safe and secure way to shop online with your Debit Card.  MasterCard SecureCode helps prevent unauthorized use of your card online with an extra layer of security that prevents fraudulent purchases when you check out online. Start protecting your card today in a few easy steps by clicking the MasterCard Secure Code link above.

For a lost or stolen debit card call (800) 383-8000 to stop all activity on the card.
For blocked or invalid debit card transactions call (866) 508-5427.

Popmoney®

The Popmoney® personal payment service is our new payment service that lets you send, receive or request money from friends, family or just about anyone with an email address or mobile number*. We have just added Popmoney into our online bill pay service to let you move money from your bank account to theirs safely and securely, with ease. And Popmoney is easy for your friends and family to use at their bank or at Popmoney.com.

Click here to watch a video on how Popmoney works.

*Terms and Conditions Apply.
**Popmoney® personal payments services offered at www.popmoney.com are provided by CheckFreePay Corporation, a licensed money transmitter, and CheckFreePay Corporation of New York, which is licensed as a Money Transmitter for payment services by the New York State Department of Financial Services.

Bank Routing Number

The Bank’s ABA Routing Number is 081906505.

Checking Accounts

Minimum Average Daily Balance: $300.00

Features:
This account is available to all Individuals. Students up to age 25, Seniors age 55 and older, Active Military and Churches/Organizations are exempt from the service charges if the minimum balances are not met.  You have a choice of e-statements or paper statements with images. Enjoy all the benefits of unlimited check writing, MasterCard Debit Card and free Internet and Mobile Banking.

Limitations: You must deposit $300.00 to open this account.

Minimum Balance: None

Features:
Secure Checking Brochure

Limitations: You must deposit $100.00 to open this account.

Minimum Balance: $500

Features:
This account is available to Individuals, Sole Proprietors, Not for Profit Organizations and Government Units (Partnerships and Corporations not eligible).

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.

Limitations: You must deposit $500.00 to open this account.

Account Fees: The monthly service charge if the daily balance drops below $500.00 any day of the statement cycle is $10.00. 

Minimum Balance: $1,000

Features:
This account is available to all depositors.

Rate Information:This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.

Limitations: You must deposit $2,500.00 to open this account. You may make no more than six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, or similar transactions from your account per month.  You may make unlimited withdrawals in person.

Account Fees: The monthly minimum balance fee if the daily balance drops below $1 ,000.00 any day of the statement cycle is $10.00.  The fee for paying items received in excess of the 6 allowable per month is $3.00 per item.

Savings Accounts

Minimum Balance: $100

Features:
This account is available to all depositors.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.

Limitations: You must deposit $100.00 to open this account.  You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order of instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: The semi-annual minimum balance fee if the daily balance drops below $100.00 any day of the statement cycle (Minors/Nonprofit Organizations Exempt) is $10.00.

Minimum Balance: $100

Features:
This account is available to all depositors with a new or existing checking account and Direct Deposit.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, or similar transactions from your account per month.  You may make unlimited withdrawals in person.

Account Fees:The semi-annual minimum balance fee if the daily balance drops below $100.00 any day of the statement cycle (Minors/Nonprofit Organizations Exempt) is $10.00

Time Certificates

SELECTED CD RATES
(contact the bank for additional terms and rates)
$1,000 Minimum Deposit*

APY is accurate as of October 18, 2017

*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest will be compounded quarterly and will be credited to the account quarterly. This CD will automatically renew for a term set by the bank and the rate at renewal will be the rate in effect at that time for the new term CD.
* A substantial penalty is imposed for an early withdraw.

Interest Rate: 0.24%

APY: 0.24%

Interest Rate: 0.65%

APY: 0.65%

Interest Rate: 0.45%

APY: 0.45%

Interest Rate: 0.71%

APY: 0.71%

Interest Rate: 0.85%

APY: 0.85%

Interest Rate: 1.55%

APY: 1.56%

Interest Rate: 1.60%

APY: 1.61%

Certificates of Deposit

Minimum Deposit: $1,000

Features:
This account is available to all individuals.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term chosen at the time of purchase. We offer certificates with varying maturities. Interest will be credited by having your interest added to your certificate each quarter (compound) or by having your interest deposited to a First National Bank in Carlyle checking, savings or money market account.  Interest begins to accrue on the business day you open the account. Interest will be compounded quarterly and will be credited quarterly.  The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. During the term of the account you may withdraw any interest that may have been credited to the account without a penalty. Any withdrawal of principal prior to the maturity date is subject to a penalty.

Time Account Information: Your account will mature in the term chosen at the time of purchase. If you withdraw any of the principal before the maturity date, we may impose a penalty of: ORIGINAL MATURITY LESS THAN ONE YEAR –a penalty of three months’ interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY OF ONE YEAR THROUGH TWO YEARS – a penalty of one year’s interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY LONGER THAN TWO YEARS – a penalty of two years’ interest plus a $30 fee will be charged to your account. If you withdraw a portion of the principal before the maturity date, you will be charged the appropriate penalty on the portion withdrawn plus a $30.00 fee. If you choose to redeem the certificate during the ten day grace period, you will not be paid interest from the maturity date to the date of redemption. This account will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for the period of time as disclosed in your Account Agreement.

Individual Retirement Accounts

Opening Deposit: $50

Features:
This account is available to all depositors.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.

Limitations:You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Minimum Balance: $250

Features:
This account is available to all individuals.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term chosen at the time of purchase. We offer IRA certificates with varying maturities. Interest begins to accrue on the business day you open the account. Interest will be compounded quarterly and will be credited quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $250.00 to open this account. You may not make additional deposits into this account. During the term of the account you may withdraw any interest that may have been credited to the account without a Bank penalty. Any withdrawal of principal prior to the maturity date is subject to a Bank penalty. Penalty free withdrawals are permitted after attaining the age of 59 ½.

Time Account Information: Your account will mature in the term chosen at the time of purchase. If you withdraw any of the principal before the maturity date, we may impose a penalty of: ORIGINAL MATURITY LESS THAN ONE YEAR –a penalty of three months’ interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY OF ONE YEAR THROUGH TWO YEARS – a penalty of one year’s interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY LONGER THAN TWO YEARS – a penalty of two years’ interest plus a $30 fee will be charged to your account. If you choose to redeem the certificate during the ten day grace period, you will not be paid interest from the maturity date to the date of redemption. This account will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for the period of time as disclosed in your Account Agreement.

Health Savings Account

Minimum to open: $50
Minimum Balance without a fee: $2,500

Features:
This account is available to qualified individuals who are in a high-deductible health plan. The contribution is tax-deductible and can be used to pay qualified medical expenses.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $50.00 to open this account.

Account Fees:  There is a initial set up fee of $25.00.  The monthly minimum balance fee if the daily balance drops below $2,500 is $2.00.  A $25.00 fee will be assessed for each HSA transfer to another institution.

Trust Service


First National Bank in Carlyle Trust Department is committed to its clients to provide quality service with a personal touch. The Trust Department acts as Trustee for Testamentary Trusts, Trusts Under Agreement, Self-Directed IRAs, Charitable Trusts and Land Trusts. The Trust Department also acts as Guardian of Guardianships and Conservatorships as well as Executor of Last Will and Testament. It is our policy to be discrete and professional in handling financial matters in addition to giving our clients a sense of security and comfort level in working with our personnel.

Click on one of the items below for more information on the scholarship

Safe Deposit Box

Annual Fee: $20.00

Annual Fee: $25.00

Annual Fee: $40.00

Annual Fee: $60.00

Bank Branded Credit Cards

We are pleased to offer bank branded credit cards through our partnership with Central Bank Trust.  Whether you need a credit card for your own needs or the needs of your business, we have the card for you.  

To apply, simply click here.

Wire Transfers

Outgoing Domestic (within the USA) Wire Fee = $25.00
Outgoing International (US Money) Wire Fee = $50.00
Outgoing International (Foreign Currency) Wire Fee = $85.00
Incoming Domestic Wire Fee = $10.00
Incoming International Wire Fee = $25.00

Merchant Credit Card Processing Solutions

First National Bank in Carlyle partners with MSP Consulting, a specialized advisory firm on payment solutions, to offer our bank customers customized credit card payment solutions.  Contact us today to learn how to get a free Merchant Account Analysis and Evaluation of your current credit card processor and find out if there are cost savings available to you.

Click Here for our Merchant Credit Card Processing brochure.

Telephone Banking Toll Free Phone Number

Toll free Phone Number: (877) 594-4335
Local Phone Number: (618) 594-4335

  • 24 Hour Banking Convenience
  • Loan Payments
  • Private, easy and convenient banking from your touch tone phone

Be prepared to enter your Security Code, if you do not have a Security Code, please contact one of our customer service representatives at any of our three locations.