Which of our checking accounts is right for you? At First National Bank we offer a variety of accounts and features to fit your needs.

  • Free Checking

    No hidden fees. No surprises. No hoops to jump through. Just honest banking with no strings attached.

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  • Premier Checking

    Receive added benefits and interest.

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  • Access Debit Account

    All the convenience of online banking with no overdraft fees.

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Checking Account Features

  • Debit Cards

    Visa® Debit Cards are available on all checking accounts, providing purchasing power and issued with chip-enhanced technology.

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  • Overdraft Options

    Understand the Overdraft coverage options we provide and how they may benefit you1.

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1The payment of transactions into overdraft is discretionary and we reserve the right to not pay. Generally, we do not pay overdrafts if you are not making regular deposits, or you have excessive overdrafts, or based on your account history and how you maintain your account. We may change your overdraft privileges due to poor account management. Our Overdraft Item Fee is $33 per item (max 4 per day). We will not charge you this fee if your balance is overdrawn by $20 or less, or the transaction overdrawing the account is $20 or less. Our Return Item Fee is $33 per item (max 4 per day). We will not charge you this fee if the amount of the transaction being returned is $20 or less. We may pay overdrafts for checks and other transactions using your account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM transactions and everyday non-recurring debit transactions (individual debit card purchases such as grocery store or one-time online purchases). Our expectation is you bring your account to a positive balance immediately (including payment of all bank fees and charges).