Current Notices

Visit FNB's Winter Wonderland with Santa & Mrs. Claus on Saturday, December 16, 9 - 11 a.m. at the Financial Center.

Checking

All Accounts Include

  • Free Online Banking and Bill Pay
  • Free 24-Hour Telephone Banking
  • Free Online Check Images
  • Free Direct Deposit
  • Overdraft privilege is available with any checking account to those who qualify
  •  Visa FirstCheck ATM / Debit Cards are available to those who qualify
 

 

Compare Checking Accounts

Checking Account Minimum Opening Deposit Monthly Fees Interest Bearing Free Checks Info
Rewards Checking $100 No monthly fees. Yes, Tiered Rates No

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FirstClub $100 $6 monthly fee. The monthly fee is waived if you receive a monthly direct deposit. Yes Free First Club Checks

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FirstRate $500 $10 service fee. The service fee is waived if the balance in the account is kept above $500 during statement cycle. Yes, Tiered Rates Free 1st Book

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Regular Checking $25 An activity fee of $0.15 for each debit and credit transaction. This activity fee is waived if the balance remains above $500 during statement cycle. No No

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Student Checking $15 No maintenance or activity fees. No Free 1st Book

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Money Market $1,000 A service fee of $10. The service fee is waived if the account balance is kept above $1,000 during statement cycle. Yes No

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Documents Needed to Open a Personal Account

  • Driver's License, State ID, or Passport (must be unexpired, government issued, and contain a photo)
  • Proof of social security number (social security card or document showing the social security number)
  • If the address on the photo ID does not match your current address, please bring proof of current address such as a Utility bill, R.E Tax form, or other document with the correct address.

 

For More Information

Please call (618) 283-1141 to speak with our Customer Service personnel.

 

Rewards Checking

A unique, no minimum balance checking account that rewards you with a higher Annual Percentage Yield and automatic refunds of domestic ATM fees* for helping the bank operate more efficiently.

Overview

  • Minimum Opening Deposit: $100.00
  • Minimum Balance: None
  • Monthly Fees: None
  • ATM Refunds: Yes
  • Tiered Interest: Yes;
    If you do not meet all the requirements during the qualification cycle, you will receive a lower APY and ATM fees will not be refunded.

Requirements

To qualify for the REWARDS, simply meet the following requirements in each qualification cycle **

  • Perform and post 10 Visa FirstCheck ATM/Debit Card transactions per qualification cycle (excludes ATM transactions)
  • Perform and post 1 ACH Direct Deposit or ACH Direct Debit per qualification cycle
  • Receive your monthly statement electronically via Online Banking rather than a paper statement
 

Rewards Checking Disclosures

  • *Domestic ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. Domestic ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. Domestic ATM fee refunds are limited to $25 per qualification cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.
  • Note: ATM-processed transactions do not count towards qualifying debit card transactions for purpose of earning rewards within this account.
  • ** The qualification cycle begins one business day before the beginning of your statement cycle and ends one business day before the end of your statement cycle.
  • The Interest Rate and Annual Percentage Yield may change at any time.

 

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FirstClub

A packaged account that provides both a checking account and additional services.

Overview

  • Minimum Opening Deposit: $100.00
  • Monthly Fee: $6.00 *If you receive a monthly direct deposit this fee will be waived.
  • Minimum Balance to Obtain Annual Percentage Yield: $1000.00 - Interest is compounded daily and credited monthly. The interest rate is subject to change at any time.

Features

  • First Club Wallet Style Checks are free.
  • First Check ATM / Debit Card Monthly fee is waived.
  • No Activity fees are charged on this account.
  • Waived fees on selected IRAs.
  • First Club members may also qualify for Discounted Auto Loans.
  • Free retirement planning is available.
 

The Interest Rate and Annual Percentage Yield may change at any time.

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FirstRate

This variable-rate checking account offers the opportunity to earn higher interest on larger deposit balances along with unlimited check writing.

Overview

  • Minimum Opening Deposit: $500.00
  • Service Fee: $10 (Waived if the balance in the account remains over $500)
  • Minimum to Earn Interest: $500
  • Tiered Interest: Yes
  • Annual Percentage Yield is subject to change at any time.

Features

  • First book of FirstRate checks is free
  • Monthly ATM / Debit Card fee is waived
  • Interest accrues daily on balance of $500 or more with a higher rate on balances of $25,000 or more.
 

The Interest Rate and Annual Percentage Yield may change at any time.

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Regular Checking

A regular checking account designed with a lower opening balance.

Overview

  • Minimum Opening Balance: $25
  • Activity Fee: $0.15 for each debit and credit transaction if the daily balance falls below $500. (Activity fee will be waived for those age 65 or older if the depositor notifies the bank when age 65 is attained.)

Features

  • Non-Interest Bearing Account
  • $1.00 Monthly Fee for FirstCheck ATM / Debit card
 

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Student Checking

An account especially designed for any student up to age 24. If you are under age 18, you will need a parent or guardian to sign with you. After age 24, you may still be eligible for the program if you provide verification of full-time student status to any First National Bank customer service representative.

Overview

  • Minimum Opening Balance: $15.00
  • Maintenance or Activity Fees: None

Features

  • First book of checks is free
  • No maintenance or account fees
  • Waived monthly fee for FirstCheck ATM/Debit Card
 

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Money Market

This account is an option for those who need to write a limited number of checks each month and are wanting to earn higher interest than a standard checking account.

Overview

  • Minimum opening balance: $1000
  • Service Fee: $10 is imposed if the account balance falls below $1000 at any time during the statement cycle
  • Interest: Compounded daily and credited to your account monthly *
  • Minimum balance: $1000 must be maintained in the account each day to obtain the disclosed annual percentage yield.

* The interest rate and annual percentage yield are subject to change by FNB at any time.

Withdrawals directly to you or transfers from your account to any of your other accounts or loans made in person, by mail, by messenger, telephone (via check mailed to you), or at an ATM are unlimited. All other forms of withdrawals or transfers are restricted to no more than six (6) each four (4) week or similar period.

The Interest Rate and Annual Percentage Yield may change at any time.

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