Personal Checking

With First National Bank you will always get customized banking services and innovative products in our branches, online and from your mobile devices.  That’s why we offer a variety of checking account options that work specifically with your individual needs.  Whether you’re looking for the simple, ease of use checking account or one that includes interest or club features, we’ll help you choose the one that’s perfect for you. Plus with online and mobile access, it’s easier than ever to manage your checking account any time, from anywhere! But don’t forget to stop by your local branch now and then, we always look forward to seeing you. Understanding Overdrafts and Overdraft Protection Plans.

Smart Start Checking
Not to brag, but we might just have the best Teen Checking Account around! For starters, there is no monthly service charge! IKR? And listen, we know you’re not hanging out by the mailbox, so E-Statements are the perfect choice. You'll have access to a huge network of surcharge-free Money Pass ATMs! And, we think you’ll be impressed by our lineup of digital features to keep your thumbs clickin’ between Snaps. And, that’s just a start. Your Smart Start Checking Account has all the tools you need to begin your financial journey. And, some cool perks too, like complimentary financial education... we told you it was the best! Add these available features:

  • Debit Card
  • A Network Of Surcharge-Free Money Pass ATMs
  • Real Time Account Alerts
  • Mobile Banking With Mobile Deposit
  • Mobile Wallet- Apple Pay, Samsung Pay And Google Pay
  • Debit Card Controls

I love it! Take me to the Switch Kit.

1st Class Club Checking
It’s our most popular account for a reason. No minimum balance to maintain and no monthly service charge. The account provides you with a variety of features, including your first order of checks free, unlimited check writing privileges and automatic safekeeping of checks. And best of all, free online statements!

Want more? Add these available features:

  • Debit Card
  • A Network Of Surcharge-Free Money Pass ATMs
  • PC Express® Internet banking
  • Online Bill Pay
  • Free Online Statements
  • Mobile Banking with Mobile Deposit
  • Real Time Account Alerts
  • Debit Card Controls
  • Mobile Wallet- Apple Pay, Samsung Pay And Google Pay

I love it! Take me to the Switch Kit.

Simple Interest Checking
It’s easy to see why customers love our Simple Interest Checking Account! You’ll benefit from unlimited check writing privileges and the added security of automatic safekeeping of check images at no additional charge. And best of all, you'll earn interest and avoid a monthly service charge when you maintain a daily minimum balance of $1,500. It's everything you're looking for in an interest-bearing account.

Want more? Add these available features:

  • Debit Card
  • A Network Of Surcharge-Free Money Pass ATMs
  • PC Express® Internet Banking
  • Online Bill Pay
  • Free Online Statements
  • Mobile Banking with Mobile Deposit
  • Real Time Account Alerts
  • Debit Card Controls
  • Mobile Wallet- Apple Pay, Samsung Pay And Google Pay

I love it! Take me to the Switch Kit.

Lifestyle Checking
We're proud to offer an account that rewards you a little extra for banking with us! Do you want to earn a high interest rate on your personal checking account? You can! Just keep your Lifestyle Checking account balance between $0.01- $25,000. Carry even higher balances? Don't worry, you'll still earn an interest rate if your balance goes over $25,000. This account offers more than an impressive interest rate tier, you'll also enjoy the many advantages and benefits provided with our Lifestyle Checking. We value your relationship- there’s no monthly service charge when you maintain a total minimum daily relationship balance of $25,000! This $25,000 Relationship includes existing Checking, Saving, CD account balances as well as loan balances with First National Bank. Contact your branch's Financial Services Representative and see if you qualify today!

Some of the benefits include:

  • One free box of checks per year (100 count)
  • No Fee Photocopies and Fax
  • No Fee Cashier's Checks
  • No Fee on Stop Payments
  • No Fee Small Safe Deposit Box
  • 3 Non-Network ATM Fees/Month Refunded (Upon Request)
  • 0.50% Discount on Consumer Loan with Autopay (at Standard Bank-Offered Rate)

  • Want more? Add these available features:

    • Debit Card
    • A Network Of Surcharge-Free Money Pass ATMs
    • PC Express® Internet banking
    • Online Bill Pay
    • Free Online Statements
    • Mobile Banking with Mobile Deposit
    • Real Time Account Alerts
    • Debit Card Controls
    • Mobile Wallet- Apple Pay, Samsung Pay And Google Pay

    I love it! Take me to the Switch Kit.

HSA Checking
If you have an eligible High Deductible Health Plan (HDHP), a Health Savings Account (HSA) allows you to save money for qualified medical expenses. Your contributions are made with pre-tax dollars, the tiered interest earnings are also tax-free, and there is no service charge if you maintain a total minimum daily relationship balance of $1,000 with First National Bank, providing you with a smart way to save for medical expenses. This $1,000 Relationship includes existing Checking, Saving, CD accounts. Debit cards offer easy access to your money and check writing is unlimited!

Want more? Add these available features:

  • Debit Card (No ATM Use)
  • PC Express® Internet banking
  • Online Bill Pay
  • Mobile Banking with Mobile Deposit
  • Real Time Account Alerts
  • Debit Card Controls
  • Mobile Wallet- Apple Pay, Samsung Pay And Google Pay

Contact us for more information about opening an HSA Checking.

VIP Checking
Our VIP Club® Account is designed for our customers aged 55 and better. Enjoy banking that offers the quality and service you deserve! And, take advantage of a variety of benefits including VIP Club® checks, no fee and discounted financial services, a free small safe deposit box (while supplies last) and group travel opportunities. Plus it’s a great way to meet new people in your community.

Some of the benefits include:

  • Special VIP Club® checks- One free box per year (100 count)
  • No Fee Photocopies and Fax
  • No Fee Small Safe Deposit Box
  • VIP Club® Newsletters
  • Group Travel and Seminar Opportunities
  • No Fee Cashier's Checks
  • No Fee on Stop Payments

    • Want even more? Add these available features:

    • Debit Card
    • A Network Of Surcharge-Free Money Pass ATMs
    • PC Express® Internet Banking
    • Online Bill Pay
    • Free Online Statements
    • Mobile Banking with Mobile Deposit
    • Real Time Account Alerts
    • Debit Card Controls
    • Mobile Wallet- Apple Pay, Samsung Pay And Google Pay

    Take me to the Switch Kit.

Checking Comparison Table

Account NameEarns InterestImages Included in StatementUnlimited Check WritingInternet Banking/Online Bill PayFree Safekeeping of check imagesATM Card/Check CardFree Checks*
Smart Start CheckingYESYESYESYES
1st Class ClubYESYESYESYESYESYES-

First Box
Simple InterestYESYESYESYESYESYESYES-

First Box
Lifestyle CheckingYESYESYESYESYESYESYES
HSA CheckingYESYESYESYESYESYES-

No ATM Use		YES-

First Box
VIP ClubYESYESYESYESYESYESYES
*Some restrictions apply, contact your local branch to learn more

Ready to Give Internet Banking a Try? 

Ready to Give Internet Banking a Try?

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen:

During business hours, contact your local branch After hours, please call 1-888-263-3370.

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