Personal Banking


Mortgage Financing

Home Equity Lending

Additional Loans

Checking Plans

24 Hour Convenience

Direct Deposit

E-Statements

Mortgage Financing
Owning your own home. That's what the American dream is all about! If you're ready to take this important step, why not start out right...with a visit to us. We'll help you cut through the maze of "mortgage talk" so you can make the best possible purchasing decisions.

Our friendly and experienced professionals can help you select the right type of mortgage for your particular needs. And, perhaps most importantly, your mortgage will be handled on a personal basis...by people you know and trust.

We take the time to work with you - whether you're shopping for your first home, moving to a larger home, or considering a retirement residence. We'll answer any questions you have and discuss the many options available to you. Because finding the right mortgage is essential, you'll discover that we offer a wide variety of loan packages tailored to your individual situation.

When you're ready to make this major investment, remember that we have the flexible loan plans you need - at rates you can afford!

 

Home Equity Lending
Now is the time to think about remodeling your home! The First National Bank of Coleraine can help with our Home Lending. We make it easy by providing a loan, so you are able to use the equity in your home for your improvements.

Our loan officers make the process quick and easy by helping you determine if a home improvement loan is best for you.

Contact one of our professional lending specialists in our Lending Department to assist you with your Home Equity Loan today.

 

Additional Loans
When it comes to loans, we have everything you could ask for! That's right. From the perfect weekend getaway...to a sleek, new car... to that special home you've always dreamed about...we give you easy access to all types of loans. Whether it's for something you want or something you need.

No matter what's in your plans - or what comes up unexpectedly - we're the best source for getting the financing you need. That's because we offer some of the most affordable, low-cost rates available, along with flexible terms to match your budget and your lifestyle.

And now, we've made applying for a loan easier than ever before. Just come in, tell us what type of loan you'd like, and we promise to strive for the fastest possible response time! If you have any questions about your financial situation or are interested in applying for a loan, come in and talk with one of our experienced loan personnel. We'll help you find the answer that's right for you. We look forward to serving you!

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Checking Plans
The First National Bank of Coleraine has savings and checking accounts that offer a variety of features. You can choose from the following:

Platinum Account: Simple interest on the daily balance. Minimum balance of $1000 required. Service charge of $5.00 is incurred if average balance falls below minimum at any time during the statement clycle. Customer pays for check printing.

Money Market Deposit Account: With a $2,500 balance, your money earns market interest rates, calculated with simple interest daily and paid monthly. Lower interest when balance falls below minimum. Customer pays for check printing. Service charge of $5.00 is incurred if average balance falls below minimum at any time during the statement cycle.

Corporate Account: These accounts are charged $10 during each statement cycle and receive a credit of $.10 per $100 on the lowest balance during that cycle.

Copper Account: Pay only $.15 for each debit transaction (withdrawal, checkpaid, automatic transfer, or payment out of this account) with no minimum balance required. Customer pays for printing checks.

Bronze Account: Write as many checks as you want for only $4.00 a month. No minimum balance required. Customer pays for check printing.

Silver Account: Free Club checks (wallet style). Duplicate checks or any other style other than Club checks are subject to charge with a credit of $8.00 toward any other style, free safe deposit box, all for just $7.50 a month. No minimum balance.

Crystal Account: For non-profit organizations, students and customers with direct deposit of their payroll. No minimum balance. No per-check charges. Customer pays for printing checks.

Gold Account: No service fees with a monthly balance of $300. If account falls below minimum, customer pays $1.00 plus $.15 for each check written during the cycle. Customer pays for printing checks.

Diamond Account: For everyone 50 years and over. No minimum balance, no service fees. No fee money orders. Free Club checks (wallet style). Duplicate checks or any other style other than Club checks are subject to charge with a credit of $8.00 toward any other style. One account per customer, consumers only.

Health Savings Account (HSA's): Earns interest just like the money market deposit account. Pay your qualifying medical expenses with checks or debit card. No minimum balance, no service fees, customer pays for printing of checks.

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24-Hour Convenience
Even if you don't have access to our Internet banking service, you still have access to the bank when it's closed with the First National Bank of Coleraine's telephone banking service. Simply call (218) 245 - 4000 anytime, 24-hours a day, seven days a week to check your balances, transfer funds, and even apply for loans. The 24-hour phone bank is one more way the First National Bank of Coleraine is working to meet your needs.

FNBC also offers Check Cards (Debit/ATM) and ATM only cards to make banking even easier. Our automated teller machines are conveniently located and open 24 hours a day.

 

Direct Deposit
Enjoy the convenience and security of having your funds automatically deposited in your account. The First National Bank of Coleraine provides ACH services that will allow you to have your paycheck or government check automatically deposited in your account. You will never have to worry about forgetting a payment or getting to the bank on time again. Stop in and talk to us about getting your account set up for direct deposit or any of the other benefits our ACH services can provide.

 

E-Statements
Simply click on the "Sign up for E-Statements" link here on our website, print out the Consent and Agreement, read the form and fill out the information at the bottom of the last page. Bring, mail, or email your signed Consent and Agreement form. When we receive your Consent and Agreement, we will send you an email along with a document that describes how the sign up process works. You will need to open up this document, save or print it out and then reply back to the Bank. Once we receive your reply, we will proceed with your enrollment in E-Statements.

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Coleraine Office: 600 Powell Ave., PO Box 158 Coleraine, MN 55722 | (218) 245-1272

LaPrairie Office: 1220 East Hwy 169 LaPrairie, MN 55744 | (218) 327-1101

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