ATM

Use your ATM/Debit Card to get last minute cash at our convenient drive-up automated teller

• 106 W. 7 th St.,
• 1802 N. Washington St. (Burger King/Texaco)
• 1839 N. Washington (Kwik Sack)
• 6 th & Eisenhower in Junction City; or
• 20 E. Main St. in Herington;
• or any other ATM in the world.

Automatic Transfers

Automatic transfers may be set up to automatically take place on a weekly, bi-weekly, monthly, or quarterly basis. You can establish transfers between your accounts to cover minimum balance requirements or help your savings grow. Contact a customer service representative to set up this convenient service.

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Bank by Mail

First National Bank and Trust is as close as your mailbox. You may Bank By Mail and enjoy the convenience of banking without a trip to the bank. Direct your deposit or payment to the following address:

• First National Bank and Trust Co.
  PO Box 348
  Junction City, KS 66441

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Bill Pay - Now Available

Bill pay is the most convenient service since the ATM. Take advantage of this money saving service that lets you schedule bill payments in advance. With our online bill pay service, you can pay all of your bills from one personalized, secure Web site. You schedule the date to make payments and gain greater control over the bill management process. Save the cost of postage, envelopes and most importantly your time. For more information or to enroll, contact a customer service representative at (785) 762-4121 today!

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Check Imaging

Check Imaging is a new process in which pictures, or images, of your checks are taken during processing. Your monthly image statement will contain pictures of your checks instead of the actual items. Statements are three hole punched to enable them to fit neatly into a binder. Images are listed in numerical order, which streamlines balancing and eliminates the need to sort cancelled checks and deposit slips. This system also provides faster responses to customer requests. Employees can answer your statement and image questions in a fraction of the time compared to conventional microfilm searches. Check imaging not only reduces your home-owned bank’s operational costs, but also reduces financial risks, expedites posting and assists in fraud detection.

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Debit Cards

Use the convenience of your First National Bank debit card instead of writing checks. All debit card activity is listed on your checking statement for better record keeping. You can also use your debit card to make most telephone and online purchases.

Direct Deposit

With the convenience of Direct Deposit, you can have access to your money sooner by having your payroll or Social Security check directly deposited into your account. It is safe, simple, and worry-free.

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Drive-Up Teller Window

Designed for fast and efficient service, our drive-up window can handle all of your everyday banking needs.

• Main Bank Hours: 8:30 AM to 4:30 PM, Monday through Friday. 8:30 AM – 12 Noon Saturday
• West Branch: 7:00 AM to 6:00 PM, Monday through Friday. 8:00 AM to 12 Noon Saturday
• Herington Branch: 8:30 AM to 4:30 PM, Monday through Friday; 8:30 AM to 12 Noon Saturday

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E-Statements

Save time with First National Bank’s Free E-Statements. Our customers with internet access who are members of our Online banking service and have requested to receive your statements via e-mail will receive a message by e-mail when your statement is ready. Simply log in, open your statement and balance your checkbook, download to your computer, or simply print it out.

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Check Ordering

First National Bank checks are available through Deluxe Checks. Choose from a variety of logos and personalized printing. Checks are available in single, duplicate, business (3 per page), or computer checks. Visit with any of our customer service representatives for more information. Use our convenient online order system to reorder your First National Bank checks.

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Night Depository

Our night depository is safe and convenient for making deposits after regular banking hours. Using our night deposit ensures that your deposit will be credited to your account the next business day. For your convenience, locked night deposit bags are available for purchase.

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Online Banking

Enjoy the convenience of around the clock banking from the comfort of your home or office. By utilizing our online banking service you can:

• Check account balances
• Transfer money between accounts
• Pay your bills electronically using our Bill Pay service
• View past bank statements
• Receive you bank statements via e-mail

Our website lets you bank online with confidence. We use state of the art technology to ensure complete privacy and security of your account information and transactions. For more information or to enroll now, visit Online Banking or call us at (785) 762-4121.

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Overdraft Privilege™

Overdraft Privilege™ is a discretionary overdraft service designed to help you avoid the embarrassment associated with the occasional or inadvertent overdraft. You also avoid the fees charged by merchants when your check is returned. We cannot promise to pay every overdraft, but if you maintain your eligible account in good standing, we will consider, without obligation, payment of your reasonable overdrafts, rather than automatically returning unpaid any non-sufficient funds items that you may have. Normal non-sufficient funds or overdraft charges, as set forth in our fee schedule, will be assessed for each item that would create an overdraft on your account.

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Telephone Banking

"Voice Response" is First National Bank's 24-7 telephone banking system. Call (785) 762-1111 or 800-762-4121 extension 1111 for all of your account information, to transfer funds between accounts, or make a loan payment.

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Wire Transfers

Funds may be sent or received from almost any place in the world by wire transfer. Ask any bank officer or customer service representative about this convenient and affordable method of transferring funds.

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