Free Checking

The perfect checking account for the simplified lifestyle. Free Checking allows you the convenience of unlimited check writing, Visa Check Card use, and telephone and online access without being charged a monthly maintenance fee, EVER!! While other banks “Free” Checking Accounts come with hidden restrictions – You MUST have direct deposit, you MUST use your debit card three times a month. You MUST write less than 20 checks per month - The First National Bank of Bank of McHenry’s Free Checking Account comes with NONE OF THESE RESTRICTIONS whatsoever. With Free Checking statements are mailed monthly. The name says it all – it’s totally Free Checking.

Advantage Checking

Discover The First National Bank of McHenry advantage. The Advantage Checking Account offers basic checking services and some valuable add on benefits that you will find useful and convenient in your busy lifestyle. This interest bearing checking account gives you unlimited check writing and is available to you at no cost provided the balance in the account does not fall below $100 any day of the statement cycle. Should this occur, a nominal charge of $9 for that statement cycle will be assessed. Some of the great add-on benefits include …

First Order of Special Pre-Printed Club Checks Free.
Interest Earned Paid Monthly on Balances $500 and Greater.
$5,000 Accidental Death Insurance.
Statements Mailed Monthly with Check Images.
Unlimited Free Access to First Fone Telephone Banking and PC Bank Online Banking.
Free Visa Check Card.
Credit Card Protection.
Emergency Cash Advance.
Nationwide Travel & Entertainment Discounts.
Discount Movie Tickets.
Date Reminder Service.
Auto Trip Routing.
ID Network Safety Service for Children.

… all at no additional cost to you.

Advantage Plus Checking

Our most popular account !! By combining the same outstanding add-on benefits found in the Advantage Checking Account, as well as many other useful bank products and services either at no charge or a discount, the Advantage Plus checking account provides you with an exceptional value in a household checking account. In addition to the benefits listed above as part of the Advantage Checking Account, Advantage Plus members also receive the following extra benefits for the low monthly charge of $7.

Free Unlimited Pre-Printed Special Member Checks.
Interest Earned and Paid Monthly on all Balances.
Statements Mailed Monthly with Check Images.
Free Money Orders and Cashier’s Checks.
Free Notary and Medallion Signature Guarantee Service.
Unlimited Free Access to First Fone Telephone Banking and PC Bank Online Banking.
Free Visa Check Card.
$10 Discount on First Year Safe Deposit Box Rental.
Preferred Rate of Installment Loans.
Preferred Rate on Advantage Certificate of Deposit.
$100 Discount on Mortgage Closing Costs.
$10,000 Accidental Death Insurance.
Nationwide Discounts on Auto Rentals.
$500 Worth of Grocery Coupons.

Advantage 55 Plus

It’s Advantage Plus Checking if you are 55 years old or better. Enjoy all the benefits of Advantage Plus Checking at a discount of only $4 per month.

Traditional Checking

Traditional Checking is designed to give you a mix of traditional checking features with some modern conveniences. Traditional Checking Account members receive free unlimited access to First Fone Telephone Banking and PC Bank Online Banking as well as a free Visa Check Card, but will also have their cancelled checks returned to them in their monthly statement. A fee of $10 will be assessed each month for this account.

SNOW Checking

Higher Balance Checking Account consumers will get the most from the SNOW account. It combines unlimited check writing with interest being earned and paid on all balances. This high performance account is built with three interest rate tiers to provide you the maximum return on your balances. You may avoid the monthly $10 charge, if you, each day of the statement cycle maintain a minimum balance of $1,000 or an average daily balance of $1,500. Snow account holders also receive free unlimited access to First Fone Telephone Banking and PC Bank Online Banking as well as a free Visa Check Card. Statements are prepared and mailed monthly with check images.

Premier Money Market

Earn a premium money market rate on all your account balances and enjoy the convenience of easy access to your account with our Premier Money Market Deposit Account. Your funds can be accessed by writing convenient money market checks to third parties, in person with one of our friendly and helpful tellers, or transferring funds using First Fone telephone banking or PC Bank online banking. Top tier balances earn an interest rate comparable to the yield on the short term Treasury Securities on the open market, complete with FDIC insurance. With an innovative five tier rate structure, you are sure to earn maximum dollars with a high degree of access to your funds when needed. All five rate tiers reset monthly to assure you that your rate never becomes stagnant. Interest is compounded and credited to the account monthly so you are able to enjoy the positive cash flow. Closing the account prior to interest posting will result in a forfeiture of all interest earned for that month. Because of the exciting structure of this account, we must limit the number of pre-authorized transfers. Therefore, you are allowed up to six pre-authorized transfers per month, of which, three may be made by check to third parties. There is no limit to the number of withdrawals or deposits made in person or by mail. We just request that you maintain a minimum of $2,500 in the account at all times, otherwise a $10 account maintenance fee may be charged for that month.

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