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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

Founded in 1938, First National Bank of Pulaski has assets totaling $814 million along with $721 million in deposits, ranking 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 access to service representatives at a physical location, in addition to its online and mobile offerings. Coming in at a commendable 4.1 out of 5 stars, First National Bank of Pulaski proves it is a good bank that gets the job done. First National Bank of Pulaski has a varied selection of banking products, including 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 interested in stress-free personal checking, First National Bank of Pulaski's ordinary checking account does not have a monthly fee. Banks that offer no-fee checking, in addition to a high interest rate savings account are the best option for gaining the most income from your deposits while maintaining easy access to your funds.

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. First National Bank of Pulaski's CDs feature a rate of 0.70% and 1.80% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 0.16%. Given its below average savings rate, you should think about taking a look at other banks for 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 charges its customers extremely low fees compared to the average U.S. bank. First National Bank of Pulaski's checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. Also, it has an overdraft fee of $32.25, which is lower than the national average overdraft fee. First National Bank of Pulaski does not refund out-of-network ATM fees, which means you will need to locate a First National Bank of Pulaski ATM or pay the fee.

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. It also offers access to mobile and web apps for straightforward access and banking on the go. First National Bank of Pulaski gets moderate feedback from customers for its mobile platform. The First National Bank of Pulaski mobile app has an overall rating of 3.7 out of 5 (with 27 ratings on iOS and Android) compared to the national average of 3.8. You can utilize First National Bank of Pulaski's mobile app to manage your funds by reviewing account balances, transferring money as well as accessing customer service. First National Bank of Pulaski gets a superb consumer satisfaction score based on comparatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed 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 ranks as a medium-size bank owning $814 million in assets and deposits totaling $721 million. First National Bank of Pulaski's Texas Ratio is 7.70%, suggesting that the bank is in good financial condition and far from 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: 0.70% APY
  • 24 Month: 1.10% APY
  • 36 Month: 1.25% APY
  • 48 Month: 1.40% APY
  • 60 Month: 1.80% APY
$10000 for all terms
Money Market Accounts 0.16% APY 0.16% APY $10000 $15000

First National Bank of Pulaski has several deposit products including 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 other options 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 average U.S. bank.

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Find a First National Bank of Pulaski Near Me

First National Bank of Pulaski has 12 locations across the U.S.

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