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Personal Banking - Deposit Products  
   
Personal Checking  
Basic Checking  
Our convenient basic checking account includes the following features:  
  • No transaction limitations
  • Free with direct deposit
  • Free with maintained balance of $300 during your statement cycle
  • Checks can be printed on-site and available within 2 business days
  • Detailed monthly statement with check and deposit images
  • Debit / ATM card available for your convenience
  • Cash reserve features available
  • Automatic payments can be deducted from account
  • Online banking including online BillPay
 
Senior Checking  
At age 60 you qualify for a Senior Checking Account. This rewarding checking account includes the following features:  
  • No minimum balance requirement
  • No monthly service charges
  • Free checks
  • Detailed monthly statement with check and deposit images
  • Debit / ATM card available for your convenience
  • Direct deposit available
  • Automatic Payments
  • Online banking
  • Buzz telephone banking
 
Debit / ATM Card  

The Visa Check card is available with any of our checking accounts. The card allows you to get cash at thousands of ATMs worldwide and to aslo transact purchases without writing a check.

Convenient
  • No more waiting in line for check approval
  • No identification necessary for purchases
  • No writing checks
Safe
  • You don't always have to carry excess cash because you can always use your check card to get cash at thousands of ATMs worldwide.
Inexpensive
  • Monthly Fee: $1.00 per month
  • Transaction fee for purchases: none
  • Transaction fee for cash withdrawals at our ATMs in Groton and Moravia: 6 free per cycle
    $1.00 each starting with the 7th withdrawal
  • Transaction fee for cash withdrawals at other institutions' ATMs: 4 free per cycle
    $1.00 each starting with the 5th withdrawal.
 
Money Market Checking Account (MMCA)  
If you want a checking account that earns interest, this is the account for you. Its features include:  
  • No service charge if $1,000 balance is maintained
  • Detailed monthly statement with check and deposit images
  • ATM/Debit card available
  • Interest compounded daily
  • Interest paid at statement cycle end
 
   
Personal Savings  
Passbook and Statement Savings Accounts  
Easy to use savings account with:  
  • Variable interest rate
  • No minimum deposit required to open
  • Easily access your interest-earning funds
  • Statement or Passbook
Interest compounds daily and is credited to your account on the last business day of each quarter.
 
Youth Savings  
Available to those 18 and under. No minimum balance. Free coin book and piggy bank.  
   
Club Account  
This club savings account with variable interest allows you to make deposits of any amount during the Club year. At the end of the Club year (end of October) we will send you a check for the account balance including interest.

Interest compounds daily and is credited to your account at maturity.
 
   
Money Market Investment Account (MMIA)  
This tiered money market investment account gives you a greater interest return than on the basic savings account, yet still allows you to make transactions.

Interest compounds daily and is credited to your account on the last business day of each statement cycle.
 
   
Certificate of Deposit (CD)  
This investment account  
  • Higher Interest Rates
  • Fixed Rates
  • Maturity from 3 months up to 5 years
  • Automatically renew (except Renewable Once CD)
Interest compounds daily and is credited by check, to another account or accumulatedat different times based on the CD term and type. No deposits may be made prior to maturity.
 
   
Individual Retirement Account (IRA)  
Our individual retirement accounts are in CDs and automatically renew at maturity. Our variable rate IRAs allow you to make deposits at any time, while our fixed rate IRAs allow you to make deposits at maturity.

Interest compounds daily and is credited to your account each quarter.
 
   
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Click here for current rates  
   
    Each depositor insured to at least $100,000
    The First National Bank of Groton
P.O. Box 38, 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