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First National Checking

At First National, we believe customer interactions are based on relationships, not transactions. First National Checking confirms our commitment to you and the community. This is not a "one time offer," but a demonstration of our ongoing dedication to put customers first. No hidden fees. No surprises. No hoops to jump through. Just honest banking with no strings attached.

Account Features:

  • No monthly service fee
  • No minimum deposit to open or minimum balance requirement
  • One Overdraft Forgiveness every 12 months †
  • Free and non -

    withdrawals (other bank and ATM operators' surcharges may apply)
  • Free bank logo checks
  • Free Visa ® Debit Card
  • Free Online Banking, BillPay, and Account Alerts
  • Free Mobile Banking - pay bills, deposit checks and transfer money
  • 0.25% rate discount on Auto, Home Equity and Personal Loans
  • $200 Mortgage closing cost credit - see a Mortgage Loan Officer for complete details
  • Free statements - online or paper
  • $25 Safe Deposit Box discount
  • Free Debit Card Fraud Monitoring
  • Free cashier's checks
  • Free incoming wires
  • Free stop payments

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Frequently Asked Questions

  • Q: Will I have to change my account number or get a new debit card?
A: No, there will be no change to your account number or a need to get a new debit card. Everything about your account will stay the same - plus all the great new benefits.
  • Q: You say this is a free checking account with no hidden fees - what's the catch? A: There's no catch. First National Bank has a history of doing what's right for our customers. You told us you were concerned about fees and we listened.
  • Q: How long will this offer last? A: It's not an offer - it's how we do business. You can expect First National Checking to be this way for a long time to come.
  • Q: I'm a business customer. Can I get the same benefits on my business checking account? A: First National Checking is a consumer product only, at this point, but we continually look for ways to enhance all our products and services.
  • Q: How does the Overdraft Forgiveness work? Will the Overdraft Fee automatically be reversed? A: Overdraft Forgiveness will waive one overdraft or NSF every 12 months from the date of an occurrence. For example, if an Overdraft/NSF occurs on 12/15/13, the next time one will be automatically waived would be 12/15/14. If eligible to receive an Overdraft Forgiveness at the time, the fee will be automatically waived.
  • Q: How quickly will you forgive the overdraft fee? A: We will be able to confirm and issue the forgiveness the same business day - automatically.
  • Q: What's your tolerance for overdrafts with the new account?

    A: Our tolerance has increased significantly from $5 to $20 – we will not charge an overdraft fee on any account that is overdrawn by $20.00 or less. Plus, we've eliminated the continuous overdraft fee and decreased the number of items assessed from 6 per day to 4 per day.

  • Q: What impact will First National Checking have on safe deposit box fees? A: First National Checking offers a $25 annual safe deposit discount. There are a limited number of safe deposit boxes available and this offer is subject to availability.
  • Q: Will the annual line of credit fee remain? A: There are no changes to the line of credit account or fees at this time. The $50 annual fee remains for all accounts, except First National Premier Checking accounts.
  • Q: What if I want to earn interest on my account?

    A: First National Checking is non-interest bearing. If you want to earn interest on your checking account, you can upgrade to First National Premier Checking which pays interest when you maintain an average daily balance in deposit relationships of $15,000 or more. Also, adding a savings or money market account that links to your First National Checking account will earn interest and help protect against potential overdrafts.

  • Overdraft Forgiveness

    With First National Checking and First National Premier Checking, you'll automatically receive one free overdraft forgiveness every 12 months from the forgiveness date.*

    We understand that mistakes happen and that overdrawing your account can happen to anyone. Be sure to protect your account with one of our various overdraft protection options.

    • Automatic Transfers - With a First National Savings or Money Market account, you can have funds automatically transferred to the designated checking account in the amount necessary to bring your account positive.
    • Line of Credit - With a First National Line of Credit, funds will advance automatically to your checking account in $200 increments.
    • Courtesy First - Courtesy First is an overdraft privilege that authorizes us to pay overdrafts when your account does not have sufficient funds (after the one free overdraft forgiveness, standard overdraft fees apply). † Contact a Personal Banker to decide which option is best for you and set-up your account.

    First National Premier Checking

    If you maintain a combined average daily balance of $15,000 in your First National Checking, Savings, Money Market, CD and IRA accounts, you are eligible for First National Premier Checking.

    Receive all the benefits of First National Checking, plus:

    • Earn interest on your account
    • Premium rates on Checking, Savings, Money Market, CD and IRA accounts
    • $400 Mortgage closing cost credit - see a Mortgage Loan Officer for details

    Banking Cards

    At First National Bank, customers have quick and easy access to cash any time, across the globe. You can choose to access cash from any Interlink, NETS or PLUS System ATM worldwide using our 24 Hour Bank Card or debit card. First National Bank Visa ® Debit Cards* provide purchasing power.

    Visa ® Debit Card

    Category: Bank

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