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Site Menu PRODUCTS & SERVICES   Online Banking   Deposit Products   Loan Products   Business Banking   Municipal Services   Additional Services RATES   Deposit Rates   Loan Rates CALCULATORS   Loan Calculators   Savings Calculators   Budgeting and Personal Finance Calculators   Planning and Retirement Calculators CONSUMER TIPS   Fraud Prevention Tips   Savings Tips   Budgeting Tips ABOUT   Bank History   Officers & Directors   Contact Us		Municipal Accounts and Services   Deposit Services Public Funds Regular Checking We offer a checking account with no monthly fee, no per-check charge, and no fee for deposits. A monthly account statement is provided along with cancelled checks.   Public Funds Money Market Investment Account (MMIA) This is a tiered account earning higher interest on higher balances. Interest is earned on the daily balance at the prevailing rate. The highest rate is paid on balances of $1,000,000 or more. Several tiers are available.   Public Funds Jumbo Certificates of Deposit Negotiate a high rate on balances over $100,000. Maturity dates can be set to suit the needs of the municipality.   Depositor Insurance and Pledging All depositors are insured to at least $100,000. Balances above this amount can be collateralized simply by completing collateralized agreements.   Loan Services Financing The bank prides itself in assisting local municipalities finance their projects by purchasing bond or revenue anticipation notes, and providing installment financing. Top of Page
		The First National Bank of Groton 161 Main Street, Groton, NY 13073 • 41 S. Main Street, Moravia, NY 13118 (607) 898-5871 • (315) 497-2707 Buzz: (607) 898-9700 • (315) 497-2200