Personal Services

Checking Accounts
Non-Interest Bearing Accounts

BNA Bank offers FREE Telephone Banking, Internet Banking and Bill Pay Service to all customers. Simplify your life today with access to your account 24 hours a day, 7 days a week! Click here for an internet banking application.

Free Checking

• Minimum opening deposit is $50.00
• Stop payment charge is $25.00 per item
• Overdraft charge is $25.00
• Transfer fee is $1.00 each
• Overdraft protection available by linking DDA or Savings account to regular checking account.

Regular Checking Account

Benefits designed to maximize your convenience, savings and security! With Rewards Checking, some of the valuable benefits members receive are: $5,000 in Identity Theft Insurance with Fraud Assistance

• Minimum opening deposit is $50.00. 
• No monthly service charge for accounts with a minimum daily balance of $600.00 or above. 
• $2.00 monthly service charge for accounts with minimum daily balance between $400.00 and $599.99.
• $4.00 monthly service charge for accounts with minimum daily balance between $200.00 and $399.99. 
• $6.00 monthly service charge for accounts with minimum daily balance between $0.00 and $199.99.
• Stop payment charge is $25.00 per item.
• Overdraft charge is $25.00 per item. 
• Overdraft protection available by linking DDA or Savings account to regular checking account.
• Transfer fee is $1.00 each. 

Rewards
 Checking 

• Cash Rewards – Rewards just for shopping online!
• Daily Credit Monitoring with Credit Alert
• Discounted Gift Cards – Purchase well-known merchant gift cards with a discount off the face value of the card.
• Companion Airfare
• And members also receive: Payment Card Protection, Notary Service, Savers Club, Personalized Checks, Unlimited Check writing and four free stop payment orders a month
• Minimum opening deposit is $50.00. 
• Basic package is $6.00 per month.
• Basic package plus Personal Plan is $7.00 per month.
• Basic package plus Family Plan is $8.00 per month. 
• Rewards
   checks are free. 
• Stop payment orders are free (up to 4 per month).
• Overdraft charge is $25.00 per item. 
• Overdraft protection available by linking DDA or Savings account to Rewards
   checking account.
• Transfer fee is $1.00 each. 

Student Checking

• Minimum deposit is $50.00.
• Only full time students qualify. 
• No monthly service charge. 
• Overdraft charge is $25.00 per item. 
• Stop payment charge is $25.00 per item.
• Overdraft protection available by linking DDA or Savings account to Student checking account.
• Transfer fee is $1.00 each. 

Special Checking 

• Minimum opening deposit is $50.00. 
• The charge for checks and other debits is $.25 each.
• The statement period for this account is quarterly. 
• Overdraft charges are $25.00 per item, and Stop Payment Orders are $20.00 each. 

Interest Bearing Accounts

Hometown 50 Checking 

• Minimum opening deposit is $100.00. 
• No monthly service charge if minimum daily balance remains $100.00 or above.
• $7.00 monthly service charge if minimum daily balance falls below $100.00.
• You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed APY.
• Hometown 50 imprinted checks are free.
• A package of benefits comes with your Hometown 50 account. 
• Overdraft charges are $25.00 per item, and Stop Payment Orders are $20.00 each.

Hometown 50 Checking Plus 

• Minimum opening deposit is $50.00. 
• Monthly membership fee is $4.00.
• Your account will earn interest with no minimum balance required.
• Hometown 50 Plus imprinted checks are free. 
• A package of benefits comes with your Hometown 50 Plus account. 
• Overdraft charges are $25.00 per item, and Stop Payment Orders are free.

NOW Account 

• Minimum opening deposit is $1,500.00. 
• No monthly service charge for accounts with a minimum daily balance of $1,500.00 or above. 
• $5.00 monthly service charge for accounts with minimum daily balance between $1,000.00 and $1,499.99.
• $6.00 monthly service charge for accounts with minimum daily balance between $500.00 and $999.99. 
• $7.00 monthly service charge for accounts with minimum daily balance of $499.99 or less.
• Overdraft charges are $25.00 per item, and Stop Payment Orders are $20.00 each. 

Money Market Account

• Minimum opening deposit is $1,000.00. 
• Six withdrawals per month is the transaction limit for this account. Three may be payments by check to third parties, and not more than three may be third party automatic drafts. 
• The rate of interest paid is based on the minimum daily balance. 
• Overdraft charges are $25.00 per item, and Stop Payment Orders are $20.00 each.

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Savings Accounts

Regular Savings

• Minimum opening deposit is $10.00.
• Interest is credited and compounded quarterly.
• No charge for up to six withdrawals per quarter. 
• Subsequent withdrawals after six per quarter are $1.00 each. 

Christmas Club Savings

• You may save for your holiday expenses by using our convenient automatic transfer plan. Money is transferred from your BNA Bank account to your Christmas Club account. You may choose one of three options available for frequency of transfer. 
• You will receive a Christmas Club check in November just in time for your holiday gift purchases. 
• No interest will be paid if more than four weekly transfers (one monthly) are missed.

Individual Retirement Accounts

Open-End IRA Savings

• Minimum opening deposit is $10.00. 
• Interest is credited and compounded quarterly.
• The Traditional IRA allows you to defer taxes on your earnings until they are withdrawn.
• The Traditional IRA allows certain contributions to be tax deductible in the tax year for which they are made.

Certificates of Deposit

• A minimum deposit of $10,000.00 is required to open a CD with a maturity of 7 - 31 days. 
• A minimum deposit of $1,000.00 is required to open a CD with a maturity of 91 days to 60 months.
• After the CD is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date. 
• There is an interest penalty for early withdrawal. 
• Individual Retirement Account contributions may be deposited into a Certificate of Deposit.

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ATM Card Services

Debit MasterCard 

• BNA Bank's Debit MasterCard works like a check.
• Debit MasterCard is good wherever MasterCard is accepted. 
• Debit MasterCard lets you pay for your purchases with money right out of your checking account. 
• Debit MasterCard also works as an ATM card at Jeanie, Pulse, MoneyPass, or Plus network locations nationwide. 

Credit Cards

MasterCard
With a BNA Bank MasterCard, you can receive cash advances at our bank or at various other banks throughout the world which offer MasterCard services. You can make purchases with your MasterCard at stores throughout the world which accept MasterCard.

VISA
With a BNA Bank VISA, you can receive cash advances at our bank or at various other banks throughout the world which offer VISA services. You can make purchases with your VISA at stores throughout the world which accept VISA.

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Loans  

Home Loans Home Improvement Loans Mortgage Loans Auto Loans Recreational Vehicle Loans  Commercial Loans  Loans for most any purpose

Other Services

• Discount brokerage service 
• Direct deposit service 
• Money orders, Cashier's checks, and Traveler's checks
• Safe Deposit Boxes 
• 24-Hour telephone banker: 662-534-9511
• For more information on these and other services, please call, e-mail, or come by one of our convenient offices.

Internet Banking

Please complete the Internet Banking application, print, sign and return to BNA Bank. We will process your application and email you instructions to begin using this convenient service.

Internet Banking Application

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