First National Bank offers its customers an array of personal and business services. Its personal services consist of regular, free and student checking, reorder checks, and NOW, health savings and insured investment accounts. The bank s business services include commercial checking and Christmas club accounts. In addition to these services, First National Bank offers E-Savings, individual retirement accounts (IRA) s and certificates of deposit (CD) s. The bank is a provider of diverse loan products, including mortgages. Apart from being an Equal Housing Lender, First National Bank is a member of the Federal Deposit Insurance Corporation (FDIC) that insures its deposits.