First National Bank Fredericksburg

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Banking... The Way It Should Be

Switching banks doesn't have to be difficult. We've helped lots of customers make the switch and we can help you, too.

Just stop by your local community office or give us a call. Our friendly Customer Service Representative will open your new account and help walk you through the three easy steps of switching to our services.

STEP 1: Get Started
  • Open your account at any of our community offices.
  • Write down your account number, you'll need it later.
  • You're ready to go - start making deposits to your new account.
STEP 2: Move Transactions to your new account
  • Destroy checks, ATM/debit cards and deposit slips from your old bank.
  • Let outstanding checks or automatic withdrawals clear; leave enough money in your old account to cover them. This process might take a few weeks or more.
  • Tell your employer to change your direct deposit to our Financial Institution (you can use this form letter, we can help you fill it out). Remember to give them one of your new deposit slips or a voided check.
  • Contact anyone other than your employer who makes deposits to your account to find out how to request the change. This could include retirement, pension, Social Security or other payments. They may require you to use a special form, or you may be able to use the enclosed "change payroll direct deposit" letter.
  • Tell anyone who makes automatic withdrawals from your account that you have switched (there's also a letter for this here, we can help you with it, too). They'll need one of your new deposit slips or a voided check. These are transactions that go through a banking system called the Automated Clearing House, or ACH.
  • Cancel automated payment services, such as online or telephone bill payment, by contacting your old bank. We can help you get setup on our online banking or telephone banking service.
  • Switch charges automatically billed to your old debit card by contacting the company that receives the payment and telling them to charge your new account instead. They'll need your card number and expiration date.
STEP 3: Close your old account
  • Ask your old bank to close your account and send you a check for the balance; make sure all outstanding transactions on your old account have cleared.
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