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First National Bank of Pulaski Review

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First National Bank of Pulaski Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Started in 1938, First National Bank of Pulaski has $814 million in assets along with $721 million in deposits, classifying the institution as a medium-size bank. First National Bank of Pulaski, whose headquarters are in Pulaski, Tennessee, lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Overall, First National Bank of Pulaski is a respectable bank that gets the job done, with a rating of 4.1 stars out of 5 from our team. First National Bank of Pulaski provides customers with a complete selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. First National Bank of Pulaski has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, First National Bank of Pulaski's ordinary checking account does not have a monthly fee. Institutions that offer no-fee checking as well as a high interest rate savings account are your best bet for accruing the most income from your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

4.1/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.0
SmartAsset Average: 3.5

With a savings rate of 0.10%, First National Bank of Pulaski ranks poorly compared to the national average. Its one-year CD has a rate of 0.45% and the five-year CD earns at a rate of 1.55%, while its highest-yielding money market account has an APY of 0.16%. Given First National Bank of Pulaski's noncompetitive savings rate, you should think about looking elsewhere to open savings accounts.

How First National Bank of Pulaski's Savings Rates Compare

First National Bank of Pulaski Savings 0.10 National Average 0.26 Compare Offers
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Fees

4.8
SmartAsset Average: 4.4

First National Bank of Pulaski generally has extremely low fees in comparison to the average U.S. bank. Its checking account has no monthly fee, making it excellent for anyone looking for a simple account. Also, at $32.25, its overdraft fee is significantly lower than the average U.S. overdraft fee. First National Bank of Pulaski does not reimburse out-of-network ATM charges, meaning you will need to locate a First National Bank of Pulaski ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $32.25 National Average: $35.00
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Service Quality

3.8
SmartAsset Average: 3.7

First National Bank of Pulaski is a brick-and-mortar bank, with 12 total bank locations in Alabama and Tennessee. With mobile and web apps, First National Bank of Pulaski makes mobile banking easy, even on the go. First National Bank of Pulaski's online and mobile banking services get fair marks from customers. Out of 27 customer reviews on iOS and Android platforms, the First National Bank of Pulaski mobile app rates a 3.7 out of 5 (compared to the national average of 3.8). First National Bank of Pulaski's mobile app lets you manage your bank accounts by reviewing current statements, sending and receiving money and accessing customer service. First National Bank of Pulaski receives a superb consumer satisfaction rating due to comparatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.7
SmartAsset Average: 4.8

First National Bank of Pulaski is a medium-size bank and handles $814 million in assets and deposits totaling $721 million. Its Texas Ratio is 7.70%, denoting a tiny opportunity of failure. Additionally, First National Bank of Pulaski is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

7.7%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare First National Bank of Pulaski to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.1% APY $1500
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.85% APY
  • 36 Month: 1.00% APY
  • 48 Month: 1.15% APY
  • 60 Month: 1.55% APY
$500 for all terms
Money Market Account 0.16% APY $2500

First National Bank of Pulaski offers several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. First National Bank of Pulaski does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First National Bank of Pulaski's CD rates are fair in comparison to the national average.

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Find a First National Bank of Pulaski Near Me

First National Bank of Pulaski has 12 branches in the U.S.

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