Checking

Our banking service is designed with you in mind. We listen carefully to understand your individual banking needs. It’s how we can provide the best products and services for you.

 
 

All of our personal checking accounts include the following Free Benefits:

  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • MasterCard Debit Card (upon application approval)
  • Telephone Banking
  • Easy to manage Monthly Statements

Your trust and confidence is our goal!

We aim to provide a banking experience that will make you proud to say that you are a First National Bank customer. We are a true community bank that is as dedicated to our customers as we are the communities they live in. We make it a point to get to know our customers. When you need something done, we're here to make it happen.

If this is the kind of exceptional banking relationship you are looking for, First National Bank is for you. For additional information on any of our products or services, please contact any one of our branches.

Classic Checking

Our fundamental account that covers all of your banking needs.  

  • $100 minimum opening deposit
  • $400 minimum daily balance to avoid a service charge

Elite Checking

Our Classic Checking Account with some extra benefits for those ages 55 and over.

  • $100 minimum opening deposit
  • No monthly service charge
  • No minimum balance requirement

Student Checking

Our Classic Checking Account with added perks for full-time students under the age of 25.

  • $25 minimum opening deposit
  • No monthly service charge
  • No minimum balance requirement
  • First pack of checks (50 checks) is FREE

First Club Checking

If you want to enjoy all of the incentives of an account without worrying about maintaining a minimum balance requirement, our First Club Account is for you!

  • $100 minimum opening deposit
  • Low, monthly fee of $7.50
  • Includes a $10,000 accidental death and dismemberment insurance policy
    • Can elect for a $20,000 policy for an additional $1.00 per month
    • OR a $30,000 policy for an additional $2.00 per month
  • Receive special discounts for various other services

NOW Checking

Are you looking for an account that will earn you money AND help you avoid a monthly service charge?  Do you normally carry a balance of at least $1,500 in your account? Our NOW Account could be what you are looking for.

  • $1,500 minimum opening deposit
  • No monthly service charge for accounts with balances above $1,500 at all times during the month
  • Receive all the benefits of our Classic Account plus earn interest on your funds

Money Market

If you are looking for the ability to earn variable money market interest rates and still withdraw funds without penalties, our Money Market Account is for you.

  • $2,500 minimum opening deposit
  • No monthly service charge for accounts with balances above $2,500 at all times during the month

Business Accounts

Your business is unique, so why shouldn’t your bank account be too?  Our business accounts are created individually based on your business needs.

For additional information on business accounts, please contact any one of our branch locations.

 
Checking Comparison Table

Account Type

Min. Opening Deposit

Min. Balance Required

Monthly Maintenance Fee

Eligibility Requirements

Classic

 

$100

$400

Varies based on balance, refer below.

-

Elite

Additional Perks:
No minimum balance requirement

$100

None

None

Must be
age 55 or older

Student

Additional Perks:
- Free pack of checks (50)
- No minimum balance requirement

$25

None

None

Must be a full-time student under the age of 25

First Club

Additional Perks:
- Free First Club Checks

½ off service fee for:
- Stop Payment Orders
- Photocopies
- Cashier’s Checks
- License Stickers

$100

None

Varies based on plan, refer below.

-

NOW

Additional Perks:
Interest Bearing
*Contact us for current rates

$1,500

$1,500

$10

Consumer Account Only

Money Market

Additional Perks:
Interest Bearing
*Contact us for current rates

$2,500

$2,500

$10

-

Detailed Monthly Maintenance Fees

Classic

  • No monthly fee if balance is at least $400 every day
  • $5 if balance is at least $300 on every day but less than $400 on any day
  • $6 if balance is at least $200 but less than $300 on any day
  • $7 if balance is at least $100 on every day but less than $200 on any day
  • $8 if balance is less than $100 on any day

First Club

  • First Club Plan A: $10,000 Accidental Death & Dismemberment Insurance: $7.50/month
  • First Club Plan B: $20,000 Accidental Death & Dismemberment Insurance: $8.50/month
  • First Club Plan C: $30,000 Accidental Death & Dismemberment Insurance: $9.50/month
Raymond, Illinois
70° F
21° C
Sunny
N at 8 mph
0 mm
82%
16 km
1014 mmHg
0%
Friday
83°
28°
59°
15°
Sunny
NNE at 9 mph
Saturday
77°
25°
59°
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NE at 9 mph
Sunday
80°
27°
62°
17°
Sunny
NE at 7 mph
Monday
84°
29°
64°
18°
Sunny
ENE at 6 mph
Tuesday
86°
30°
65°
19°
Sunny
ESE at 3 mph
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