For most business accounts our regular checking account works best. A minimum balance of $500 is required to avoid fees. Instant Cash and Debit cards are available as well as Overdraft Protection* (see a bank representative.) For larger businesses with a lot of account activity; fees are based on account activity and minimum balances. (see a bank representative for details.) [the ability to earn interest on bussiness accounts is available only to Sole Proprietorships.]
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful interenet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG,to implement this Act. As defined in Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State or Tribal lands in which the bet or wager is initiated, received or otherwise made". As a customer of Fullerton National Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so. Please see a representative of Fullerton National Bank if you would like additional information on UIGEA or Regulation GG.
When it comes to consumer loans, we have everything you could ask for. We take pride in our Loan Department staff and the service we provide. Whether your need is for a home improvement, personal or vehicle loan, you are assured of receiving individual concern toward your loan request. We provide the following types of loans:
- Recreational Vehicle
- Personal Loans
- Home Improvement
Real Estate Loans
If you're ready to take this important step, why not start out right with a visit to Fullerton National Bank. 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.
When you're ready to make this major investment, remember that we have the flexible loan plans you need - at rates you can afford including:
- Home Equity Loans
- Rural Development Guaranteed Loans
Our loan officers are experienced and knowledgeable about all types of farming operations and we currently offer the following financial products and services:
Crop & Livestock Operating Loans:
- Master Notes
- Master Note Plus (automatic advance & payment)
- Individual Notes
- Machinery & Equipment
- Breeding Livestock
Ag Real Estate Loans:
- Direct-Up to 20 year repayment
Farm Service Agency Loans
We are a Certified Lender in the Farm Service Agency guarantee loan program. This program offers interest assistance to qualified applicants, operating, equipment, real estate loans, as well as the beginning farmer programs.
Special Financing Options
Nebraska Energy Loan Program
Provides low rate financing, for specific energy saving improvements to a home, certain appliances, businesses and certain farm machinery upgrades.