IMPORTANT NOTICE:

If you have given out any information to unknown parties please call us at 434-369-3000 and ask for bookkeeping so that we might take steps to protect your accounts.

FNB Student Loans

The School-Certified Student Loan can cover up to 100% of the Total Cost of Education minus other financial aid.  Apply online at www.campusdoor.com/FirstNationalBank or call 877.779.0005.

MpFree Checking

Music to your ears! MpFree Checking is a new account that offers you music download refunds on a monthly basis*. That’s right – music download refunds monthly as well as music download refunds for just signing up! Check out the details in our website under personal accounts – checking accounts or www.mpfreechecking.com today!

Following qualifications apply:

• 15 Debit Card Transactions (Point of Sale) posted during the statement cycle
• Receive Electronic Statements each month

Remote Deposit Capture

Want to make your business deposit anytime? Now you can with First National Bank’s new Remote Deposit Capture service. All you need is a scanner that connects to your PC and the internet! Check out the details under our E-Commerce section located in the Business Banking tab on our website.

FDIC Transaction Account Guarantee Program

First National Bank is participating in the FDIC’s Transaction Account Guarantee Program.

Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.

Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Merchant Services

First National Bank Merchant Services gives you the latest in electronic payment technology and competitive pricing. We offer:

• A local representative that assures quick response to your needs
  
• Electronic deposit of funds available in 2 business days
  
• Processing of other credit cards including American Express, Discover, Diners Club,
  Pin Debit, Gift Cards and more
  
• I-Terminal, Telecheck, Touchtone, and Wireless processing
  
• Free Online Access to Merchant Reporting
  

New ATM Feature!

At First National Bank's seven *Branch ATM locations* you now have the opportunity to change your Personal Identification Number (PIN). The PIN change option is available on the third Transaction screen. Just select Other on the first two screens and you will be directed to the third Transaction screen where you can choose to change your PIN.

*ATM Branch locations: Main, Vista, Airport, Timberlake, Forest, Amherst and Rustburg .

1st Access OnLine Banking and 1st Access Bill Pay are here! Click on the Online Banking button to see how you can enroll to manage your accounts from home or office 24 hours a day 7 days a week with 1st Access OnLine Banking. Paying bills has never been more convenient than when you use 1st Access Bill Pay. Check out these new products today!

First National is now offering 1st Access Bill Pay FREE on any personal checking account! 1st Access Bill Pay is also available on small business accounts for only $10.00 per month, with the first 90 days free.

Enrollment in Bill Pay is available from within 1st Access OnLine Banking.

You can now check our stocks online! Click here† to view Pinnacle Bankshares Corporation stock quotes.