Personal Checking

Report lost/stolen cards.    Reorder checks  

Standard Overdraft Practices Form for payment of ATM/Debit Card Transactions

Interest Checking*

Earn a higher rate of interest than savings and access your funds by writing checks.

• Minimum opening deposit of $10,000
• Minimum balance of $10,000 to obtain interest
• $7 monthly service charge if the balance drops below $1,000 at any time during the month (statement cycle)

Rates   Apply Now   Apply for Debit Card

Legacy Checking*

An interest bearing checking account that offers additional services at a reduced cost or no cost to you.

• Minimum opening deposit of $100
• Minimum balance of $1,000 to obtain interest
• $7 monthly service charge if the balance drops below $1,000 any day of the statement cycle, fee waived if over 55 years of age
• Check images available with statement
• 1 free box of checks per year
• No fee money orders and cashiers checks
• 1 year free for a safe deposit box or a $15 credit towards a larger box

Rates   Apply Now   Apply for Debit Card

Free Checking*

Ideal for those starting their first checking account or for those with limited checking needs.  Enjoy umlimited check writing, no-fee bill payment service and access to your monthly statement through online banking.

• Minimum opening deposit of $50
• No minimum balance required
• No monthly service charge

Rates   Apply Now   Apply for Debit Card

* All First National Bank checking accounts enjoy FREE online banking, bill payment, e-statements and debit card usage.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insuance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTAs").  It does NOT include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.