First National Bank Booklet

Frequently Asked Questions What is my bank routing number? The routing number will not change. First National Bank’s routing number is 111916452. Will my account number stay the same? Most account numbers will remain the same. In the unlikely event that your account number will change, you will be contacted directly by a customer service representative of First National Bank. My paycheck is directly deposited weekly; do I need to notify my employer? Your direct deposit will continue to post to your accounts following the conversion, no action required. Will I have a choice in the type of account available to me or will you choose one for me? Account grids are included in this packet to help you understand any changes to your existing accounts, if any. Features and benefits of those accounts are outlined, and if you determine that another account type is more appropriate, simply contact any First National Bank personal banker to change your account type. May I continue to use my existing checks for my accounts? Yes. First National Bank’s routing number will not change. When you are ready to reorder checks, you may do so at www.fnbtx.com or at a banking center. If you order through another check vendor, you will need to provide them with the routing number. Will the banking hours remain the same? Yes. Both the lobby and drive-thru hours at all First National Bank locations will remain the same as they are now. Will the terms of my CD change? No. The interest rate and terms of any existing CD that you have at First National Bank will remain the same. Please refer to the CD section in this book for more information.

I currently receive a paper statement but do not get charged a paper statement fee. Am I going to now be charged for my paper statement? No. While most of our accounts will now be subject to a paper statement fee, customers who currently receive paper statements without a fee will continue to receive paper statements without being charged the paper statement fee. You may become subject to the fee if you change your account type or open a new account or if you currently receive an electronic statement and switch to receiving a paper statement. When will I receive my statement? All First National Bank checking and savings accounts will have a statement prepared on the night of February 12. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible. Due to partial statements, interest-bearing accounts will pay interest on February 12, and any paper statement fees and services charges will be waived. Will there be changes to the terms of my First National Bank loans? No. Your interest rate, payment amount, due date, and terms will remain the same. Will there be any changes to the terms on my First National Bank checking, savings, and/or money market accounts? The account grids on pages 9-12 outline changes to account names and summarized new account features. Any changes to accounts are outlined in the Change in Terms section of the disclosure document enclosed. Additionally, changes in fees are highlighted on page 8. When do account changes go into effect? New account offerings will go into effect February 16. Any adverse changes to terms are outlined in the disclosure packet and are effective March 1.

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