*Monthly maintenance fees are determined by the average collected balance in the account during the statement cycle (except for Business Money Market).  **We use the average daily balance method to calculate interest on all interest-bearing accounts. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. Inquire at one of First National Bank's locations for current interest rates. The interest rate and annual percentage yield may change. At its discretion, First National Bank may change the interest rate at any time. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly or quarterly and will be credited to the account monthly or quarterly. If the account is closed before the interest is credited, you will not receive the accrued interest on the account.