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Personal Checking

First National Bank knows that not all customers’ needs are the same. That’s why we offer a variety of checking accounts for our customers and the convenience of online check reordering. Each has different benefits.

Free First Checking

Checksmart Checking

  • Unlimited check writing without monthly fees
  • Minimum daily balance requirement of $500

First Budget Checking

  • Designed for those who do not write many checks and maintain balances of less than $500
  • Includes an imaged statement

Senior Citizens Checking

  • Designed for customers age 62 or better
  • No monthly maintenance fee regardless of the balance
  • Includes an imaged statement

First Prestige Club Regular Checking

  • Customer must be age 55 or better to qualify
  • Unlimited check writing privileges
  • Wallet-style First Prestige Club checks or $8 credit for the Choice Package
  • No fees for money orders or cashier’s checks
  • $5 credit on any size of safe deposit box rental
  • Notary service

1st Century Checking Account - Basic

  • Low monthly fee
  • No balance requirements
  • Unlimited check writing privileges
  • Wallet-style checks or $8 credit for the Choice Package
  • No fees for money orders or cashier’s checks
  • $25 per year safe deposit box
  • Notary service
  • Accidental-death insurance

1st Century Checking Account - Family

  • Low monthly fee
  • No balance requirements
  • Unlimited check writing privileges
  • Wallet-style checks or $8 credit for the Choice Package
  • No fees for money orders or cashier’s checks
  • $25 per year safe deposit box
  • Notary service
  • Accidental-death insurance

First NOW (Negotiable Order of Withdrawal) Checking Account

  • Interest-bearing savings with the convenience of checking in one account
  • No monthly maintenance fees for accounts with a daily balance of at least $1,000
  • Includes an imaged statement

First Insured Money Market Checking

  • Interest-bearing savings with the convenience of checking in one account
  • No monthly maintenance fees for accounts with a daily balance of at least $2,500
  • Includes an imaged statement

More details about each of these accounts, including associated limitations and fees, are available in the Truth in Savings Disclosure.


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