• Freedom Account
• First Club Checking Accounts
  • First Officer Club Account
  • First NCO Club Account
• Pre-Deployment Check List
• Other Useful Military Links

Freedom Account

If you are a soldier who is deployed or about to be deployed and do not have a reliable person you can really trust with your funds, this account is for you.

First National Bank & Trust can be named as your Power of Attorney to transact your financial affairs if you are unsure about the knowledge and expertise of your spouse, parent, or significant other to manage your money and personal affairs the way you see fit while you are deployed. First National Bank & Trust has legal obligations to follow your instructions, investment expertise to protect your assets and offer financial assistance if you request. Once you are back home you can take over these responsibilities or let First National Bank & Trust continue to manage part or all of your assets.

This account can be specifically configured to pay your bills, invest for your future, or take care of your loved ones while you are away. First National Bank’s Freedom Account can be tailored for whatever needs you might have. See a Trust Department representative today.

First Club Checking Accounts:

First Officer Club Account

Our Reward Checking Account

• No monthly maintenance fee with direct deposit
• Monthly maintenance fee without direct deposit $8
• Earn interest on daily collected balances of $500 or greater
• No minimum balance
• Minimum opening deposit is $500
• Unlimited check writing
• Unlimited ATM and POS transactions
• Free initial order of checks
• Free online banking and Bill Pay
• Free First National Debit/ATM card
• Free check images returned with statement
• Discount on auto and personal loans

Click for First Officers Club Checking Application

Join the First Officers Club Today!

Choosing the right banking institution to take care of your financial needs is one of the most important decisions you will make as a military officer. First National Bank has more than 120 years experience providing unique banking services to active duty and retired military, Department of Defense civilians, and their families. First National Bank recently created the “First Officers Club Account”. It is offered to U.S. Military Officers, both active and retired, who open a direct deposit checking account with us. Apply Now.

No Fee Checking
No minimum balance, no monthly fee and unlimited check writing privileges. *

Free Checks
Free initial order of custom First Officer Club checks.

Free Check Images
Receive your check images with your statement.

Interest on Checking
Earn interest on your checking account by maintaining only a $500.00 average daily balance.

Preferred Loan Rates
As a First Officers Club Account Member, receive an additional 0.25% APR discount on all normal consumer loan rates* Click here for a loan application.

Vehicle Loans
Apply to purchase a new or used vehicle, RV, camper, or motorcycle at our competitive everyday rates plus get an additional 0.25% APR discount as a First Officers Club Account Member.

Secured Loans
Loans secured by collateral are also available. Examples of types of acceptable collateral are stocks, mutual funds, government bonds, CDs, clear title to autos and similar types of collateral. The advantage of a secured loan is a lower interest rate.

Loan Connection
For a quick, easy telephone loan for a car or other personal reason, simply call (800) 762-4121 or Click here to apply now. This service is available 24 hours a day, seven days a week, at no charge to you.

First National Bank Worldwide Online Banking Program
Depending on the option you choose, when you sign up for First National Bank’s Online Banking service you will be able to:

• View your deposit account balances online free to include checking, savings, money market and CDs. View your statement online; view your check register online, and transfer funds between your First National Bank deposit accounts.
• Free Bill Pay, you will be able to not only to view your accounts online, you will also receive unlimited bill payment service.

First Military Savings Account
This military savings account pays a competitive interest rate on every dollar. You can make automatic transfers from checking to savings, making saving easy, and there is no charge. Maintain a low minimum balance and avoid all monthly fees.

Certificates of Deposit
CDs are for the investor who chooses to earn fixed, higher rates of interest by depositing funds for a fixed term. Terms vary from one month to four years. Interest rates on new CDs are determined weekly and may change at any time. There is a minimum opening deposit of $500 and a substantial penalty for early withdrawal.

First National Bank Debit / ATM Cards
We offer two different types of banking cards - our VISA Check & Cash card and an ATM card. Each card provides you access to cash worldwide at ATMs displaying the PULSE, STAR, Master Card or VISA ad Logo. Pulse and other ATM network charges apply to ATM transactions.

Call us toll-free at 1-800-762-4121; fax us at 1-785-762-4838; or e-mail us at info@firstnational.cc for more information and applications. Click Here for applications for all our First Officer Club Programs.

Best of All
Once you open your First National Bank direct deposit for The First Officers Club Account, you'll never have to change banks again. With our worldwide service capabilities, we are as close as your telephone or PC. Our experienced staff can continue to handle your financial needs no matter where you are assigned in the world.

The Truth in Savings Act requires disclosures to be available on all consumer deposit accounts. Please inquire at any First National Bank and Trust Company location for a separate Truth in Savings Act Disclosure and complete account description. Click here for additional disclosure information.

* With direct deposit.
Rates and terms subject to change.

return to top

First NCO Club Account Open to Grades E-5 – E-9

Our Reward Checking Account

• No monthly maintenance fee with direct deposit
• Monthly maintenance fee without direct deposit $8
• Earn interest on daily collected balances of $500 or greater
• No minimum balance
• Minimum opening deposit is $100
• Free – Initial order of custom NCO Club Checks
• Unlimited check writing
• Unlimited ATM and POS transactions
• Free Online Banking and Bill Pay
• Free First National Bank Debit / ATM Card
• Free check images returned with statement
• Discount on auto and personal loans

Click for First NCO Club Checking application

More Information

Join The First NCO Club Today!
First National Bank’s First NCO Club Account Members can’t camouflage these great benefits. As a current, or retired non-commissioned officer, you’re eligible to join our First NCO Club free of charge and enjoy benefits and products exclusively for NCOs. (Eligibility open to E5-E9 Grades, active or retired.) Apply Now for a First NCO Club Account .

No Fee Checking
No minimum balance, no monthly fee and unlimited check writing privileges. *

Free Checks
Free initial order of custom First NCO Club checks.

Free Check Images
Receive your check images with your statement.

Interest on Checking
Earn interest on your checking account by maintaining only a $500.00 average daily balance.

Preferred Loan Rates
As a First NCO Club Account Member, receive an additional 0.25% APR discount on all normal consumer loan rates* Click here for a loan application.

Vehicle Loans
Apply to purchase a new or used vehicle, RV, camper, or motorcycle at our competitive everyday rates plus get an additional 0.25% APR discount as a First NCO Club Account Member.

Secured Loans
Loans secured by collateral are also available. Examples of types of acceptable collateral are stocks, mutual funds, government bonds, CDs, clear title to autos and similar types of collateral. The advantage of a secured loan is a lower interest rate.

Loan Connection
For a quick, easy telephone loan for a car or other personal reason, simply call (800) 762-4121 or Click here to apply now. This service is available 24 hours a day, seven days a week, at no charge to you.

First National Bank Worldwide Online Banking Program
Depending on the option you choose, when you sign up for First National Bank’s Online Banking service you will be able to:

• View your deposit account balances online free to include checking, savings, money market and CDs. View your statement online; view your check register online, and transfer funds between your First National Bank deposit accounts.
• Free Bill Pay, you will be able to not only to view your accounts online, you will also receive unlimited bill payment service.

First Military Savings Account
This military savings account pays a competitive interest rate on every dollar. You can make automatic transfers from checking to savings, making saving easy, and there is no charge. Maintain a low minimum balance and avoid all monthly fees.

Certificates of Deposit
CDs are for the investor who chooses to earn fixed, higher rates of interest by depositing funds for a fixed term. Terms vary from one month to four years. Interest rates on new CDs are determined weekly and may change at any time. There is a minimum opening deposit of $500 and a substantial penalty for early withdrawal.

First National Bank Debit / ATM Cards
We offer two different types of banking cards - our VISA Check & Cash card and an ATM card. Each card provides you access to cash worldwide at ATMs displaying the PULSE, STAR, Master Card or VISA ad Logo. Pulse and other ATM network charges apply to ATM transactions.

Call us toll-free at 1-800-762-4121; fax us at 1-785-762-4838; or e-mail us at info@firstnational.cc for more information and applications. Click Here for applications for all our First NCO Club Programs.

Best of All
Once you open your First National Bank direct deposit for The First NCO Club Account, you'll never have to change banks again. With our worldwide service capabilities, we are as close as your telephone or PC. Our experienced staff can continue to handle your financial needs no matter where you are assigned in the world.

The Truth in Savings Act requires disclosures to be available on all consumer deposit accounts. Please inquire at any First National Bank and Trust Company location for a separate Truth in Savings Act Disclosure and complete account description. Click here for additional disclosure information (pdf file).

* With direct deposit.
Rates and terms subject to change.

return to top