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.

FNB 300
It’s easy to see why our FNB 300 account is a great choice! You’ll benefit from unlimited check writing privileges and check images are returned with your monthly statement. The perfect account for your day to day finances and there’s no service fee when you maintain a minimum balance.

Want more! Add these available features:

  • ATM/Check Card
  • PC Express® Internet banking
  • Online Bill Pay
  • Online Statements
  • Mobile Banking

I love it! Take me to the Switch Kit.

FNB 500
Everything you’re looking for in an interest bearing account is right here with our FNB 500 account. Unlimited check writing privileges, monthly interest crediting and free safekeeping of check images. We’re proud to offer an account that rewards you for keeping a higher balance. And there’s no monthly service fee when you maintain a minimum balance!

Want more! Add these available features:

  • ATM/Check Card
  • PC Express® Internet banking
  • Online Bill Pay
  • Online Statements
  • Mobile Banking

I love it! Take me to the Switch Kit.

FNB 1000
Just like our FNB 500, but check images are returned with your monthly statement! Unlimited check writing privileges and monthly interest crediting with tiered rates to reward you for keeping higher balances. And there’s no monthly service fee when you maintain a minimum balance!

Want more! Add these available features:

  • ATM/Check Card
  • PC Express® Internet banking
  • Online Bill Pay
  • Online Statements
  • Mobile Banking

I love it! Take me to the Switch Kit.

First Class Club
It’s our most popular account for a reason. No minimum balance to maintain and no monthly service fee. 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.

Want more! Add these available features:

  • ATM/Check Card
  • PC Express® Internet banking
  • Online Bill Pay
  • Online Statements
  • Mobile Banking

I love it! Take me to the Switch Kit.

Health Savings Account
If you have an eligible High Deductible Health Plan (HDHP), a Health Savings Account allows you to save money for qualified medical expenses. Your contributions are made with pre-tax dollars, and the variable interest earnings are also tax-free, providing you with a smart way to save for medical expenses. Check cards offer easy access to your money and check writing is unlimited!

Want more! Add these available features:

  • Check Card
  • PC Express® Internet banking
  • Online Bill Pay

Contact us for more information about Health Savings Accounts.

VIP Club®
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 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
  • No fee photocopies and fax
  • VIP Club® Voice newsletter
  • Group Travel and Seminar opportunities
  • No fee Cashier's Checks
  • No fee on Stop Payments
  • VIP Club® products available

*Some restrictions apply

Want even more! Add these available features:

  • ATM/Check Card
  • PC Express® Internet banking
  • Online Bill Pay
  • Online Statements
  • Mobile Banking

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
First Class ClubYESYESYESYES
FNB 300YESYESYESYES
FNB 500YESYESYESYESYES
FNB 1000YESYESYESYESYES
VIP ClubYESYESYESYESYES
VIP 500YESYESYESYESYESYES
VIP 1000YESYESYESYESYESYES

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.