Checking Accounts
All account openings are subject to eligibility requirements
Regular Checking
For individuals, corporations and organizations who maintain a $600 minimum balance.
- Unlimited Check Writing/Transactions
- Minimum Opening Deposit - $100
- Monthly Image Statements
- No Fees with minimum daily balance of $600*
- CHECKCard Available
- 24-Hour Banking via ATM and Telephone
- eStatements
Free Checking
Hassle-Free Checking...Just For You!
We believe that banking services should be designed to fit your lifestyle. Your checking account should be a convenience, not a hassle.
- NO Monthly Fee
- NO Minimum Balance
- NO Per-Item Charge
- LOW Opening Deposit of $50.00
There is no minimum balance to worry about and no monthly service fee to pay. You can write as many checks as you need without incurring any excess activity charges.
Credit Builder
The Credit Builder account is available to individuals and is designed for customers with direct deposit who have a low credit score (600 or below). This account will provide assistance with developing a budget or managing finances.
- MasterCard Checkcard available
- Free Internet Banking
- Credit Counseling sessions semi-annually
- No minimum required to open account
One Account
A personal account providing unlimited check writing, plus a package of valuable benefits including personalized checks...for one low monthly fee.
- Unlimited Check Writing/Transactions
- Minimum Balance - None
- Minimum to Open - $100.00
- Personalized Checks at no additional charge
- Monthly Image Statements
- LOW Monthly Fee*
- CHECKCard Available
- 24-Hour Banking via ATM and Telephone
- $10,000 Accidental Death and Dismemberment Insurance
- Payment Card Protection
- Medical Emergency Data Card
- Travel and Entertainment Discounts
- Grocery Coupons
- Key Ring Registration
- No issue charge for Cashiers Checks and Money Orders
- Notary Service at no additional charge
- RX Advantage Prescription Drug Program
- Identity Theft Insurance with Fraud Assistance
- Savers Club
ONE Plus Account
Offers families every advantage of the ONE Account...plus much MORE!
- LOW Monthly Fee*
- $30,000 Accidental Death and Dismemberment Insurance
- $2,500 Dependent Child Coverage
- KidCare Child ID Program
- Access to College Scholarship Database
- Discounts on Car Rentals, Movies and Theme Parks
- Exclusive Travel Reservation Service
- Low Long Distance Rates
Special Checking
For those who write only a few monthly checks, carry a small balance and desire a low monthly fee.
- Minimum Deposit of $100
- Check Writing up to 15 per month, a per-item fee will be charged for additional checks*
- Low Monthly Fee*
- Monthly Image Statements
- eStatements
- CHECKCard Available
- 24-Hour Banking via ATM and Telephone
Heritage Club
A checking account designed specifically for customers age 50 and over.
- Unlimited Check Writing/Transactions
- $100 Minimum to Open
- No Monthly Fee* with a minimum $1,000 in deposits and/or loans*
- Monthly Image Statements
- eStatements
- CHECKCard Available
- 24-Hour Banking via ATM and Telephone
- Notary Service at no additional charge
- No issue charge for Cashiers Checks and Money Orders
- Discount on Safe Deposit Boxes
- Quarterly Newsletters
- Regular Updates on Seminars and Socials
- Heritage Club Group Travel Opportunities
NOW Account
An interest-bearing checking account for individuals, sole proprietorships, government agencies and non-profit organizations.
- Unlimited Check Writing/Transactions
- Earn Interest receive a variable rate of interest on your balance each month
- Monthly Image Statements
- eStatements
- No Monthly Fee* with a minimum daily balance of $1,500, a service charge and per-check fee will be applied to balances falling below $1,500 during the month.*
- CHECKCard Available
- 24-Hour Banking via ATM and Telephone
Convenient Banking...'Round The Clock
Access account information through the following options.
- 24-Hour Telephone Banking - gives you access to checking and savings account information ... or transfer funds. Written authorization may be required for certain transactions.
- 24-Hour ATM/CHECKCard Banking - withdraw cash, make deposits, transfer funds, get checking and savings account information and more at any FNB ATM. Use your First National ATM/Checkcard to pay for goods and services at participating merchants, including locations displaying the Mastercard logo.
- Internet Banking - you are able to bank and access account information via your personal computer.
Ask About These Other Convenient Services
- Direct deposit
- Automatic bill payments
- Wire transfers
- Credit Card
- Cashiers Checks and Money Orders
*See Schedule of Fees, or talk to a First National Bank customer service representative
Choose A Checking Account That Fits YOUR Needs.
| This Account is For You If... | Minimum Opening Balance | Monthly Service Charge | Check Writing | Transactions | Special Features | |
| Regular Checking | You write a lot of checks | $100 | <$600 = $9.29 >$600 = no fee | Unlimited | Unlimited | CHECKCard available, monthly image statements |
| Free Checking | You don't like to pay for any extra "bells and whistles" | $50 | None | Unlimited | Unlimited | No monthly service charge; 1st 40 imprinted checks at no charge |
| Credit Builder | You have direct deposit and your credit score is below 600 | None | $4.29 | N/A (Checks not available) | Unlimited | Checkcard available; monthly image statements |
| ONE Account | You want flexibility and many banking benefits for a consistent monthly fee | $100 | $ 11.86 | Unlimited | Unlimited | Free Checks, CHECKcard available, monthly image statements, plus a host of FREE individual convenience and banking benefits |
| ONE Plus Account | You want flexibility and FAMILY banking benefits for a consistent monthly fee | $100 | $ 13.86 | Unlimited | Unlimited | Free Checks, CHECKcard available, monthly image statements, plus a host of FREE family benefits |
| Special Checking | You write a few checks and want a low monthly fee | $100 | $4.29 plus $.025 per check for each check or debit after the 15th. | Up to 15 checks a month, per item charge for each additional check | Unlimited | CHECKcard available, monthly image statements |
| Heritage Club | You are age 50+ and want special bank / social benefits | Must maintain $1000 total in deposits, loans and investments | None for banking relationships of at least $1000* | Unlimited | Unlimited | Free checks; Checkcard available; monthyl image statements; free notary service and Cashier's checks; newsletters, FNB group travel opportnuities |
| NOW Account | You maintain higher account balances and desire higher interest | $1500 | Daily balances <$1,500=$9.29 + .25 per check >$1,500 = no fee | Unlimited | Unlimited | CHECKcard available, monthly image statements |