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Checking Accounts

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First National Bank has several checking accounts to align with your needs. Compare our Free Checking, Checking with Interest, and Premier checking accounts, then stop into one of our branches or apply online today!


Free Checking

Enjoy the benefits of a Free Checking account from First National Bank! No minimum balance, no monthly fees and more. 

  • No minimum balance
  • No monthly fees
  • Unlimited check writing
  • Unlimited ATM withdrawals
  • Unlimited checking account debits at no charge
  • Full account management through Mobile & Online Banking Services
  • CheckSmart check images stored at bank or available through Online Statements

Apply Now


Checking with Interest

Checking with Interest is an interest bearing account that allows you, the customer, to earn interest when the minimum balance is maintained.*

  • $500 minimum balance
  • No monthly fees assessed by maintaining $500 minimum balance or $1,000 average monthly balance*
  • Interest accrued on daily collected balances of $500 or more
  • Unlimited check writing
  • Unlimited ATM withdrawals
  • Unlimited checking account debits at no charge
  • Full account management through Mobile & Online Banking Services
  • CheckSmart check images returned with paper statements or through Online Statements

*If balance does not qualify, the following fees apply: $3.00 maintenance fee, $.15 activity fee (per debit for entire statement cycle). Debits include checks, ATM withdrawals, automatic payments and account withdrawals.

Apply Now


Premier Checking

Get more from your checking account. Open a Premier Checking account with First National Bank and earn interest and a variety of rewards, just by maintaining a higher minimum balance. 

  • $2,500 minimum balance
  • No monthly fees assessed by maintaining a $2,500 minimum balance or a $5,000 average monthly balance*
  • Interest accrued on daily collected balances of $2,500 or more
  • Unlimited check writing
  • Unlimited ATM withdrawals
  • Unlimited checking account debits at no charge
  • Full account management through Mobile & Online Banking Services
  • No annual ATM or Debit Card fee
  • $100 discount on mortgage closing costs
  • Preferred rates on new consumer loans (.10% decrease)
  • Preferred rates on CDs (.10% increase)
  • Preferred rates on checks ($5 credit towards your check of choice)
  • Free 3x5 safe deposit box for one year
  • High debit card limits
  • CheckSmart check images returned with paper statements or through Online Statements

*For balances between $500 and $2,500, $5.00 maintenance fee applies. For balances below $500, $10.00 maintenance fee applies.

Apply Now


Ready to Switch?

Make the switch to First National Bank today! We have developed a “Ready to Switch” Program that makes it easy to switch your accounts to First National Bank. Stop in to any branch location and let us personally help you make the switch or get started now with this handy checklist.

Ready to switch checklist

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