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***ATTENTION***FIRST NATIONAL BANK-FOX VALLEY WILL NEVER INITIATE AN EMAIL ASKING YOU TO SUBMIT PERSONAL INFORMATION VIA THE INTERNET. WE WARN YOU TO PROTECT YOUR PERSONAL INFORMATION AND BE CAUTIOUS OF ANY EMAIL THAT ASKS YOU FOR SUCH INFORMATION. IF YOU BELIEVE YOU HAVE BEEN SOLICITED BY A FRAUDULENT EMAIL, PLEASE CONTACT FIRST NATIONAL BANK-FOX VALLEY IMMEDIATELY. |
Where are your branches?
Lobby hours for all locations: Monday - Friday 8:30 a.m.-5:00 p.m.
Drive through hours for all locations: Monday - Friday 8:00 a.m.-5:00 p.m.; Saturday 9:00 a.m. – 12:00 p.m.
How do I know which checking account is right for me?
We have several options and our bankers will work with you to determine the one that will best suit your needs. Some of the factors to consider include how you’ll be using the account (i.e., direct deposit, debit cards), average balance you anticipate keeping in the account and other accounts you’ll have with us. We’d be happy to discuss your options and welcome your phone call or visit to our office.
How much do I need to open an account?
Some of our accounts have minimum balances to avoid monthly charges. So if you want to avoid those fees, you’ll need to have this amount at account opening. Otherwise, we’d like you to have at least $50 to open a checking account and $200 for a savings account.
What kind of Overdraft Protection do you offer?
Overdraft protection is recommended on all of our checking accounts. It works as a safety net in case a mistake or error occurs on your account. At First National Bank Fox Valley, we offer two choices for overdraft protection. One uses the balance in your savings account to cover the negative balance in your checking account. The second choice is with our Personal Reserve Account (PRA). This is a separate line of credit that is subjected to underwriting guidelines and is used solely as overdraft protection. It is best to discuss these options with our bankers to determine the most appropriate choice for your situation.
Can I get my account balances over the telephone?
We offer a toll-free, automated system to give you account information. You can find out balances, review activity and can even transfer funds between your accounts. The telephone number is 888-750-3155.
Is Direct Deposit safe?
Yes, direct deposit is a safe and effective way to have deposits made to your account. The funds are automatically deposited into your account, thereby eliminating a trip to the bank. Also, you don’t need to worry about losing your check or if you are away on payday. The deposit will be in your account automatically and account information is handled in a secure manner.
What’s the difference between an ATM card and a Debit card?
Both the ATM card and a debit card allow you to access the funds in your account. The ATM card is primarily used for cash withdrawals at cash machines and a few merchants are now allowing point-of-sale purchases. Your debit card is similar, with more uses. In addition to getting cash at a machine or bank, you can also use it instead of a check when making a purchase. It is handy for making hotel reservations and placing order online or over the telephone. Anytime you use either card, make sure you keep your receipt to record the transaction in your register.
How do I apply for a mortgage?
Simply call one of our mortgage lenders. The application can be taken over the telephone or by appointment. The information needed to process your application will vary depending on your personal situation.
For more information, send an email to: mortgages@fnbfoxvalley.com
How do I lock in my mortgage rate?
The best thing to do is contact your mortgage lender to get up-to-the minute rates and then discuss the process.
For more information, send an email to: mortgages@fnbfoxvalley.com
What is an “ARM” and how does it work?
“ARM” stands for Adjustable Rate Mortgage. Basically, your interest rate is locked for a period of time (such as 1 or 3 years) and then it adjusts on your anniversary date thereafter. Payments can be amortized over 30 years.
How do construction loans work?
A typical construction loan program has only interest payments during the construction phase (based on the outstanding loan amount only). Once the house is completed, the loan will convert to a conventional mortgage. There are many options and it’s best to talk with a lender to discuss your personal situation.
For more information, send an email to: business@fnbfoxvalley.com
What paperwork do I need to apply for a business loan?
Each situation is different, but the basic information we need includes the following: 3 years business taxes or financial statements, complete business plan, current personal financial statement and 3 years personal tax returns. Your commercial lender will then be able to assess any additional information we may need.
Do you offer SBA loans and what are the rates?
We are actually a state leader in SBA financing and a Preferred Lender with their programs. This means we are able to get quicker turnaround time with loan applications. Typical rates are based on the Prime rate and depend on the strength of the borrower. Please call one of our commercial lenders for more details.
For more information, send an email to: business@fnbfoxvalley.com
What do commercial loans finance?
Loans are typically used for business acquisition, real estate construction, capital improvement and equipment purchases. Lines of credit are designed for short-term, working capital needs such as inventory purchases and account payable shortfalls.
Can I cash a check that’s not drawn on First National Bank-Fox Valley?
If you have an account with us, we will review it prior to cashing the check. Because of the risk involved in cashing such a check, the average balance of your account should exceed the amount of the check.
How do I purchase or redeem Savings Bonds?
Savings bonds can be purchased and redeemed at any of our locations. There are several different series of bonds including EE, I, HH. They have different interest rates and each works a little differently. EE Bonds are the most common. They are purchased at half their face value and accrue interest monthly. They become eligible for redemption 12 months following their purchase and take between 8-10 years to reach their face value. If you are interested in any of these bonds, see one of our bankers for more details.
Click here for more details: personalbanking@fnbfoxvalley.com
Do you have free checking?
Our Home Free checking does not require a minimum balance or have a monthly service charge. Depending on the type of activity in your account, you may have other charges such as foreign ATM charges, check printing charges, or stop payment fees.
