FUNDS AVAILABILITY POLICY NOTICE

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit.  Funds from electronic direct deposits will be available on the day we receive the deposit.  In some cases, we may delay your ability to withdraw funds beyond the first business day.  Then, the funds will generally be available by the second business day after the day of deposit. 

PATRIOT ACT INFORMATION

According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country.  Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.

 

The USA PATRIOT Act has paved the way for  financial institutions to help prevent fraud, identity theft, and the spread of terrorism.  It required financial institutions to obtain more information from an individual or legal entity to help establish identity.

 

Your cooperation is needed when you open a new account or request a loan.  You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.  

 

First National Bank of the North requires that you provide your name, address, date of birth, social security number, and government issued photo ID*. 

(*exceptions can be made for minors without photo ID)