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Personal Banking

When you trust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why First National Bank of Byers has so many accounts to choose from. From regular checking accounts to NOW accounts to Money Market Accounts, you'll find the one account that has your best interest at heart.

Personal Banking Products

First National Bank of Byers, The Cattleman's Branch, and the Henrietta Branch offer a variety of personal banking products. Choose from:

  • Regular Checking
  • NOW Checking
  • Money Market Account
  • Individual Savings
  • Debit Card
  • Gift Cards

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Notice of Changes in Temporary FDIC Coverage for Transaction Accounts. All funds in a "non-interest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "non-interest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (IOLTA's). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market accounts. The combined total of your interest-bearing accounts remains insured under the FDIC's general deposit insurance rules. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.