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Municipal Accounts and Services
Deposit Services
Public Funds Regular Checking
We offer a checking account with no monthly fee, no per-check charge, and no fee for deposits. A monthly account statement is provided along with cancelled checks.
Public Funds Money Market Investment Account (MMIA)
This is a tiered account earning higher interest on higher balances. Interest is earned on the daily balance at the prevailing rate. The highest rate is paid on balances of $1,000,000 or more. Several tiers are available.
Public Funds Jumbo Certificates of Deposit
Negotiate a high rate on balances over $100,000. Maturity dates can be set to suit the needs of the municipality.
Depositor Insurance and Pledging
All depositors are insured to at least $250,000. Balances above this amount can be collateralized simply by completing collateralized agreements.
Loan Services
The bank helps local municipalities finance their projects by purchasing bond or revenue anticipation notes, and providing longer-term installment financing.
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    Each depositor insured to at least $100,000
    The First National Bank of Groton
P.O. Box 38, 161 Main Street, Groton, NY 13073 • 41 S. Main Street, Moravia, NY 13118
(607) 898-5871 • (315) 497-2707
Buzz: (607) 898-9700 • (315) 497-2200