Checking Accounts | Flexible and Convenient

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 to 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.

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.

Personal Checking Accounts
Business Accounts
Checking Comparison Chart

All of Our Personal Checking Accounts Include the Following Benefits:

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

Checking Account Options:

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 is included

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

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 service charge
See Additional First Club perks below!

Additional First Club Checking Account Perks!

Below are features and benefits exclusive to First Club checking account holders:

IDProtect^® - identity theft monitoring and resolution service for you, your joint account owners, and eligible family members¹.

Up to $10,000 Identity Theft Expense Reimbursement Coverage² - For expenses associated with restoring your identity.
Fully Managed Identity Theft Resolution Services - Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
Debit and Credit Card Registration – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
Credit File Monitoring³ - Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit report. (registration/activation required)
Credit Report and Score - Access to credit report and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (registration/activation required)
Identity Monitoring - Monitoring of over 1,000 databases (registration/activation required)
Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)

¹Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

² Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

³ Credit file monitoring may take several days to begin following activation.

Accidental Death & Dismemberment Insurance²

Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
² Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

Cellular Telephone Protection²

Receive up to $300 of replacement or repair costs if your eligible cell phones are stolen or damaged. (Maximum three phones per plan and cellular telephone bill must be paid through this account.)
² Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

Travel and Leisure Discount Membership

Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from your mobile device. (registration/activation required; available online only)

Health Discount Savings

Enjoy savings on vision, prescriptions and dental services. This is NOT insurance. (registration/activation required)

$hopping Rewards^TM

Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (registration/activation required; available online only)

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: - First pack of checks included - No minimum balance requirement	$25	None	None	Must be a full-time student under the age of 25
First Club Additional Perks: - First Club style checks included Discounted fees 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

$7.50/month
$5.50/month for seniors age 55 and over