All accounts include: FREE Online Banking, FREE Bill Pay, FREE Online Check Images, FREE Direct Deposit along with FirstCheck ATM/Debit Card. Overdraft Privilege is available with any checking account, along with a Visa FirstCheck ATM/Debit Card and 24-Hour Telephone Banking at 1-888-283-8767.  For more services, click here.

  Minimum Opening Deposit Monthly Fees Interest Bearing Free Checks
Rewards Checking
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$100 None Yes, Tiered Rates No
FirstClub
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$100 $6 Fee waived if you receive a monthly direct deposit Yes Free First Club Checks
FirstRate
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$500 $10 Fee waived if account balance is kept above $500 during statement cycle Yes, Tiered Rates Free 1st Book
Regular Checking
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$25 Fee of $.15 for each debit and credit transaction if balance falls below $500 during statement cycle No No
Student Checking
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$15 None No Free 1st Book
Money Market
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$1,000 $10 Fee waived if account balance is kept above $1000 during statement cycle Yes No

Rewards Checking

No Monthly Fees   ●  No Minimum Balance    ●   Free ATMs Nationwide*

A unique, no minimum-balance free checking account that rewards you with  a  0.50% Annual Percentage Yield and automatic refunds of domestic ATM fees* for helping the bank operate more efficiently.  Effective as of 09/26/2013, balances up to $25,000 earn 0.50% APY and remaining balances greater than $25,000 earn 0.10% APY. The APY for this tier will range from 0.50% to 0.18%, depending on the balance of the account.

You can open a Rewards Checking account with a minimum deposit of $100.  To qualify for the "Rewards", simply meet the following requirements in each qualification cycle*:

  • Use your Visa FirstCheck ATM/Debit Card for 10 purchases per qualification cycle (excluding ATMs)
  • Have one ACH Direct Deposit or ACH Debit per qualification cycle
  • Receive your monthly statement electronically via Online Banking rather than a paper statement.

If you do not meet all the requirements during the qualification cycle, you will still enjoy a free checking account with free Online Banking/Bill Pay and .05% APY on your account balance.  However, ATM fees will not be refunded. 

Effective as of 03/25/2013, 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.  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 purposes 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.  Domestic ATM fee refunds are limited to $25 per qualification cycle.

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FirstClub

A packaged account that provides both a checking account and additional services. Benefits include free First Club wallet style checks; no activity or per check fees; and waived fees on selected IRAs. Free retirement planning is also available. The monthly FirstCheck ATM/Debit card fee is also waived. Online Banking and Bill Pay are available at no charge. A $6 monthly fee is charged, with a minimum opening balance of $100. If you are enrolled in your company’s Direct Deposit payroll plan, or receive a monthly direct deposit payment issued by the government, the $6 monthly fee is waived. First Club members may also qualify for discounted auto loans. Interest is compounded daily and credited to your account on a monthly basis. The interest rate is subject to change at any time. The account also earns interest each day the account balance is over $1,000.

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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.  A minimum opening deposit of $500 is required.  Interest accrues daily on balances of $500 or more with a higher rate on balances of $25,000 or more. A $10 fee is assessed during any statement cycle in which the balance falls below $500. The first book of FirstRate checks is free. The monthly fee for the FirstCheck ATM/Debit Card is waived.  Online Banking and Bill Pay are available at no charge.

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Regular Checking

A non-interest bearing checking account. Requires a minimum opening balance of $25. A fee of .15 for each debit and credit transaction is incurred if the daily account balance falls below $500 any day during the account cycle. The activity fee will be waived for those age 65 or older if the depositor notifies the bank when age 65 is attained.  Online Banking and Bill Pay are available at no charge.  Monthly fee for FirstCheck ATM/Debit card is not waived. 

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Student Checking

First National's Student Checking is designed especially for students. That means no maintenance or activity fees. Access to funds is made easy with a FirstCheck ATM/Debit Card for those who qualify. The monthly fee for your FirstCheck ATM/Debit Card is waived.

Free Online Banking and Bill Pay are included.

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

  • Minimum opening balance $15.00
  • First book of checks free

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Money Market

The account provides an option for those who need to write a limited number of checks each month, while wanting to earn higher interest than a standard checking account. The account has a minimum opening balance of $1,000. Free Online Banking and Bill Pay are included.  A service fee of $10 is imposed if the account balance falls below $1,000 at any time during the cycle. Interest is compounded daily and credited to your account monthly. 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.
You must maintain a minimum balance of $1000 in the account each day to obtain the disclosed annual percentage yield.

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