Checking Accounts
Find Your Checking Account
When looking for the perfect checking account, you want a product that not only allows you to access your money when you need it, but fits where you are in your life. First National Bank lets you choose from several checking accounts, each of which offer unique benefits that allow you to do more with your money.
Available Checking Accounts
| CHECKING OPTIONS | Free Checking | Free Checking with Interest | E-NOW Checking | Senior Checking | Regular Checking | First NOW |
|---|---|---|---|---|---|---|
| Minimum Opening Deposit | $100.00 | $200.00 | $100.00 | $100.00 | $100.00 | $1000.00 |
| Minimum Balance Requirement | None | None | None | None | $300.00 minimum daily balance | $1000.00 minimum daily balance |
| Monthly Maintenance Charges | None | None | None | None | $3.00 (if below minimum) | $8.00 (if below minimum) |
| Monthly Check/Debit Charges | None | None | None | None | None | None |
| Interest Earnings | N/A | Variable - Paid monthly. $2000 daily average collected balance to earn interest. | Interest will be compounded monthly. Includes additional terms* | N/A | N/A | Interest will be compounded monthly. |
| Check Images with Statement | No | No | Yes | May choose images with statement | May choose images with statement | May choose images with statement |
| ATM Access | Yes | Yes | Yes | Yes | Yes | Yes |
| Check Card Access | Yes | Yes | Yes | Yes | Yes | Yes |
| ATM/Check Card Annual Fee | $12.00 + tax | $12.00 + tax | Free | $12.00 + tax | $12.00 + tax | $12.00 + tax |
| ATM Transaction Fee* | None | No | None | None | None | None |
| FIRST Line Access | Yes | Yes | Yes | Yes | Yes | Yes |
| FIRST Line Fee | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer |
| FIRST Net Internet Banking Access | Yes | Yes | Yes | Yes | Yes | Yes |
*The following additional terms apply the E-Now Account. To obtain APY, you must initiate at least 15 signature-based transactions with your debit card tied to this account each statement cycle. See our rate sheet for qualified balance requirements.