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 OPTIONSFree CheckingFree Checking with InterestE-NOW CheckingSenior CheckingRegular CheckingFirst NOWHSA
Minimum BALANCE TO OPEN$100.00$200.00$100.00$100.00$100.00$1000.00$100.00
Minimum Balance RequirementNoneNoneNoneNone$300.00 minimum daily balance$1000.00 minimum daily balanceNone
Monthly Maintenance feesNoneNoneNoneNone

(if account falls  below minimum daily balance)

(if account falls below minimum daily balance)
$20.00 Annually
Monthly Check/Debit feesNoneNoneNoneNoneNoneNoneNone
Interest EarningsN/AVariable - Paid monthly. $2000 average daily collected balance to earn interest.*Variable – Paid monthlyN/AN/AVariable – Paid monthlyVariable - Paid Quarterly
Check Images with StatementNoNoYesMay choose images with statementMay choose images with statementMay choose images with statementNo
bank card – atm or debit Annual Fee$12.00 + tax$12.00 + taxFree$12.00 + tax$12.00 + tax$12.00 + taxFree
ATM Transaction Fee**NoneNoneNoneNoneNoneNoneNone
FIRST Line AccessYesYesYesYesYesYesYes
FIRST Line/PHONE TRANSFER 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$2.00 per transfer
FIRST Net Internet Banking AccessYesYesYesYesYesYesYes

Switch Your Checking Accounts Today

If you’re ready to open a checking account at First National Bank, you can get started by clicking the “Inquire Now” button. If you currently have an account with another bank, start the process of switching to our services by using our Switch Kit.

Inquire Now


Your total deposits are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 to provide you with maximum security. *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. **When you use an ATM not owned by us or not a member of the Privileged Status Program, you may be charged a fee by the ATM operator or any network used to complete the transfer (and you  may be charged a fee for a balance inquiry).  Updated 09/30/2019 BR