Checking

First National Bank of Milaca offers you choices for
managing your money. We take pride in offering the products and services you’d
expect at a major bank; we are privileged to deliver them with small-town service.

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E-Checking Account

Fingertip Access. A perfect fit for the person on the move.

Classic Checking Account

Simple – No bells, no whistles, no worries. A checking account for anyone.

Teen Checking Account

A learning tool to build financial success!

Classic Plus Checking

Convenience of checking. Earning ability of a savings account.

Money Market Account

Money Market Deposit Account (MMDA)

Flexible savings account that earns you money and gives you convenient access to your money.

Ready Reserve

A Ready Reserve line of credit
account provides the overdraft protection you need to make overdrafts a thing of the past. If approved, use it for quick access to cash minus the fees associated with overdrawing your account.

Enhance Your Accounts:

Ready Transfer

Link one or more of your accounts to your checking account so funds will be transferred automatically if you overdraw your account, helping you avoid overdrafts.

Benefits

Prevent overdraft fees and checks returned on your checking account
Advances are automatically made in $100 increments when your checking account balance falls below zero
You are using your money, so you pay no loan interest

Email & Text Alerts

Set up new alerts to keep on top of your account activity.

The Notify Me Alerts feature allows you to receive email and text notifications about important account and security-related activities.

Get Started:

Log into your First National Bank of Milaca online banking session
On the top right, select "Alerts" and then "Settings"
Select the notification options that best fit your needs from the list provided

My Spending

A personal budgeting tool within online banking.

Track spending across categories
Set individual spending limits
Sync outside account balances and transaction history

Close up of someone taking a picture of a bank check with their smartphone

Mobile Deposit

Deposit checks anytime, anywhere from your phone.

Deposit checks quickly and securely, without ever having to leave your home or office.

Explore Mobile Deposit

Benefits

No minimum balance
Easy access to online e-statements¹
Free Direct Deposit
Mobile Check Deposit
Account email and text alerts
Export transaction history
Access to Bill Pay

Requirements

$25 minimum opening deposit
Online Banking enrollment

See Common Fee Schedule for related fees and charges

¹ Subject to $3 printed statement fee if e-statement enrollment canceled

See Common Fee Schedule for related fees and charges

¹ Fee is waived if enrolled in online banking e-statements

See Common Fee Schedule for related fees and charges

¹ Subject to $3 printed statement fee if e-statement enrollment cancelled

Fees and charges may reduce earnings

See Common Fee Schedule for related fees and charges

*Federal Law (Regulation D) requires that during any calendar month you may not make more than six (6) withdrawals or transfers from your savings account/Money market deposit account (MMDA) to someone else or to another account of yours by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings/MMDA using your banking online account, transfers from savings/MMDA to checking under the Ready Transfer program, transfers by debit card, check, or draft to someone else using any automated system, automatic transfers to another account (other than your loan account with the bank) or someone else, or telephone transfers from savings/MMDA to any other account (including transfers made using Telephone Banking).

Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

The Ready Reserve is attached to your checking account to help offset unexpected overdrafts and may approve otherwise denied debit card
transactions.