<P> First National Bank (South Africa) is a commercial bank and is one of the "Big Four" banks in South Africa . </P> <P> In the United States, the term national bank originally referred to the Revolutionary War - era Bank of North America (later the First Bank of the United States) or its successor, the Second Bank of the United States . Both are now defunct . </P> <P> In the modern United States, the term national bank has a precise meaning: a banking institution chartered and supervised by the Office of the Comptroller of the Currency ("OCC"), an agency in the U.S. Treasury Department, pursuant to the National Bank Act . Inclusion in the bank's name of the word National, the designation National Association, or its abbreviation N.A. is a required part of the distinguishing legal title of a national bank, as in "Citibank, N.A." Many state banks, by contrast, are chartered by the applicable state government agencies (usually the state's department of banking). The Federal Deposit Insurance Corporation (FDIC) insures deposits at both national and state banks . </P> <P> The advantage of holding a National Bank Act charter is that a national bank is not subject to state usury laws intended to prevent predatory lending . (However, see also Cuomo v. Clearing House Association, L.L.C., stating that federal banking regulations do not preempt the ability of states to enforce their own fair - lending laws .) There is currently no federal cap on rates . The federal government only requires that whatever rates, fees, or terms are set by issuers be disclosed to the consumer in accordance with the Truth in Lending Act . </P>

What does the na mean after a bank name