First National Bank accounts are designed to meet a wide variety of needs. All of our personal checking accounts are accessible through convenient electronic means such as online banking, telephone banking, or automatic teller machines. No matter how you prefer to manage your finances, we have the account for you!

Account statements are mailed monthly, or you may receive your statement online if you are enrolled in online banking.

• Free Checking
• Club Checking
• First Club Checking 55+
• High Yield Checking
• First Officer Club Account
• First NCO Club Account
• NOW Account
• Overdraft Privilege
• Current Rates
• Check Reorder
• Switch Kit
• Apply Now

Free Checking Account

This is First National Bank’s most affordable account that is designed for active people who desire a checking account with no fees attached. This is an interest bearing account if the average daily collected balance is greater than $750 during the monthly statement period. Cancelled checks will not be returned.

• Minimum required to open account $100
• Monthly Service fee $0
• Overdraft Privilege up to $300
• No minimum balance requirement
• No charge on the number of deposits or withdrawals

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Regular Club Checking Account

The First National Bank Club Account will meet all the traditional standards desired in a checking account. The Club account features unlimited checking and deposits for one low monthly fee of $8 and a free debit/ATM card upon request.

• An initial deposit of $100 required
• $10,000 Accidental Death Benefit
• Credit card registration and protection
• Discounts on travel and entertainment
• Hotel savings network nationwide
• Date reminder service
• Key ring protection
• Overdraft privilege up to $500
• Free Travelers Checks
• Monthly statement with imaged items

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First Club 55+ Checking

The First National Bank First Club 55+ is available for you when you reach the age of 55. This account features all of the advantages of the First National Bank Club account plus the advantage of having no monthly maintenance fee as long as the average daily balance for the statement cycle remains at $500 or higher. If your average daily balance falls below $500 for the statement cycle your monthly maintenance fee is only $5.

• An initial deposit of $100 is required
• Debit or ATM card is provided at no cost

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High Yield Checking Account

First National Bank’s High Yield Checking Account may be the only account you will ever need. It pays a market rate of interest on balances greater than $5,000 and is a liquid investment account that enables the customer to earn high rates of interest on their checking account funds. The higher the balance the higher the rate of interest earned. Having ready access to funds on which there are no maturity restrictions assures the customer of having the flexibility to meet financial obligations without incurring any penalties for early withdrawal.

• You must deposit $5,000 to open this account
• This is a tiered variable rate account.
• Interest accrued and paid monthly on the daily collected balance
• Monthly statement with imaged items

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NOW Account

First National Bank’s NOW Checking account is an interest bearing account. The interest rate and annual percentage yield are calculated using the average daily balance method. Interest will be compounded daily and credited to the account monthly.

• You must deposit $1,000 to open this account
• Overdraft privilege up to $700
• Unlimited check writing

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