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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Classic Checking

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

Classic Plus Checking

Convenience of checking. Earning ability of a savings account.

Classic Money Market Deposit Account

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

Ready Reserve

A Ready Reserve line of credit provides overdraft protection to help you make overdraft fees a thing of the past. It is a pre-approved simple interest line of credit that draws funds to cover your checking account should it become overdrawn.

Enhance Your Accounts:

Ready Transfer

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

Benefits

Help in preventing overdraft fees and checks returned on your checking account
Advances are automatically made 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
Chip debit card for enhanced security

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

^{Overdraft and other incidental fees may apply. Ask for our Truth in Savings Disclosure and our Common Fee Schedule for related fees and charges.}

See Common Fee Schedule for related fees and charges

Benefits

Earned Interest – Contact Us for current rates!
Debit card available
Mailed statements or e-statements¹
Anytime, anywhere Online/Mobile Banking
Mobile deposit

Requirements

$1,000 minimum deposit to open
$1,000 minimum daily balance or $2,000 average daily balance* per statement cycle to avoid a fee
$7 fee plus $0.25 per withdrawal in statement minimum balance

*The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Fees and charges may reduce earnings.

Overdraft and other incidental fees may apply. Ask for our Truth in Savings Disclosure and our 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.

Overdraft and other incidental fees may apply. Ask for our Truth in Savings Disclosure and our Common Fee Schedule for related fees and charges.

Contact our Service Specialists for more information including how to apply for a Ready Reserve line of credit.