Checking

Personal Checking

First National Bank offers a variety of checking accounts tailored to fit your lifestyle. Whether you are looking for a high interest checking, no monthly fee, or the freedom to bank anytime, anywhere; we have an account for you.

Every First National Bank checking account comes with:
  • Online Banking
  • E-Statements
  • Fee Free ATM Network
  • Mobile Banking
  • Debit Card
  • Online Bill Pay
  • Telephone Banking
  • Printed Checks (available)
Account Details:
  • Minimum to Open: $1,000
  • Minimum Balance: $0.00
  • Monthly Service Fee: $20.00
  • Fee Waiver Requirement: $10,000 average balance or $50,000 combined deposit balances
  • Transaction Limits: None
  • Per Item Charge: None
  • Requirements: None
  • Interest: Premium Tiered Rate
  • Bank Produced Statement Fee: No Cost
  • Safe Deposit Box: Free small box
  • Installment Loan Discount: 0.25% discount with auto payment (excluding home equity loans)
  • Mortgage Closing Cost Credit: $75 off FNB mortgage closing costs
  • CD Bonus: FNB relationship pricing
  • Credit Card: No annual fee for FNB Visa or MasterCard (subject to credit approval; some restrictions may apply)
  • Debit Card Transaction Limits: Increased limits
  • Printed Checks: No charge for standard checks
  • Cashier’s Checks and Money Orders: No Cost
  • Stop Payments: No Cost
  • Wire Transfers: No Cost
  • Financial Review: Annual Complementary Review

Contact us for more information: We are here to help find the right checking account for you. Call 1-800-860-7340 or visit your local branch.

Every First National Bank checking account comes with:
  • Online Banking
  • E-Statements
  • Fee Free ATM Network
  • Mobile Banking
  • Debit Card
  • Online Bill Pay
  • Telephone Banking
  • Printed Checks (available)
Account Details:
  • Minimum to Open: $100
  • Minimum Balance: $0.00
  • Monthly Service Fee: $7.00
  • Fee Waiver Requirement: $3,000 average balance or $1,200 direct deposit
  • Transaction Limits: None
  • Per Item Charge: None
  • Requirements: None
  • Interest: Independence Tiered Rate
  • Bank Produced Statement Fee: $2.00 per month
  • Safe Deposit Box: 50% discount on small box
  • Installment Loan Discount: 0.25% discount with auto payment (excluding home equity loans)
  • Mortgage Closing Cost Credit: $75 off FNB mortgage closing costs
  • CD Bonus: FNB relationship pricing
  • Credit Card: No annual fee for FNB Visa or MasterCard (subject to credit approval; some restrictions may apply)

Contact us for more information: We are here to help find the right checking account for you. Call 1-800-860-7340 or visit your local branch.

Every First National Bank checking account comes with:
  • Online Banking
  • E-Statements
  • Fee Free ATM Network
  • Mobile Banking
  • Debit Card
  • Online Bill Pay
  • Telephone Banking
  • Printed Checks (available)
Account Details:
  • Minimum to Open: $25.00
  • Minimum Balance: $0.00
  • Monthly Service Fee: $5.00
  • Fee Waiver Requirement: $1,000 average balance
  • Transaction Limits: None
  • Per Item Charge: None
  • Requirements: None
  • Bank Produced Statement Fee: $2.00 per month

Contact us for more information: We are here to help find the right checking account for you. Call 1-800-860-7340 or visit your local branch.

Every First National Bank checking account comes with:
  • Online Banking
  • E-Statements
  • Fee Free ATM Network
  • Mobile Banking
  • Debit Card
  • Online Bill Pay
  • Telephone Banking
  • Printed Checks (available)
Account Details:
  • Minimum to Open: $25.00
  • Minimum Balance: $0.00
  • Monthly Service Fee: $0.00
  • Transaction Limits: 3 checks per month
  • Per Item Charge: $1.00 over 3 checks per month
  • Requirements: E-Statement or Secure email and Debit Card

Contact us for more information: We are here to help find the right checking account for you. Call 1-800-860-7340 or visit your local branch.

Not only can you use the card as a traditional ATM Card, but you can also use it to make purchases! The Visa Check Card is accepted at millions of Visa locations worldwide. Instead of charging, you will be paying directly from your First National Bank checking account so there are no finance charges. You may purchase goods (in person, by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution.

The transaction is automatically deducted from your First National Bank checking account in 2-3 days – just like the check you currently write. Each transaction is recorded in detail on your monthly checking account statement.

Check/Debit Card Transactions

Limit:
Personal: Up to $1,500 in transactions per day (combined check card and ATM card). $200 daily ATM cash limit. $2.00 fee for foreign ATM usage.
Business: Up to $2,500 in transactions per day (combined check and ATM card). $500 daily ATM cash limit. $2.00 fee for foreign ATM usage.

No Charge:
There is no charge to use your check card as a credit transaction at a Visa merchant or for other Point of Sale (POS) transactions.

If you use an ATM that is not operated by FNB, you may be charged a fee by the operator of the machine or by the automated transfer network.

For more information about how you can receive a VISA Check / ATM card, please contact the office nearest you.

Download our Personal Banking brochure.