Checking Accounts

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Account Type Opening Balance Minimum Balance Requirements Monthly Service Charge Interest Bearing
Regular Checking
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$50  $600  $6 if balance falls below $600  No 

Regular and Business Checking

This is one of our most popular checking accounts. With a minimum deposit of $50, it's ideal for those who want unlimited check writing for a low service fee, and the service fee is even waived as long as you maintain a $600 balance. You will even receive a free statement organizer with this account to organize your statement images.

 
First Choice Checking
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$50  None  $8 maintenance fee  Yes 

1st Choice Checking

The ultimate in convenience and services! This is an interest-bearing account with features like free 1 st Choice Account checks, interest is paid monthly, free accidental death/dismemberment insurance, free cashiers checks, money orders, receive a discount on travel and gift cards, free notary service and a bonus rate on CDs for a low maintenance fee of $8.00.

Accidental Death/Dismemberment Insurance is not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the bank and may go down in value. 

Super Now Checking
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$2,000  $2,000  $10 if balance falls below $2,000  Yes 

Super Now Checking

With a balance of $2,000 and above, there is no service charge. There is a charge of $10 if the account falls below $2,000 any day of the cycle. Your account earns interest which will be added monthly – and you still get the service and convenience of a checking account. Interest rate is subject to change.

 
Golden Years
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$50  None  None  No 

Golden Years Checking (for age 60 and over)

Our Golden Years account has been designed to save you time and money on the services you value most. You can open this account with $50, and your checks are always free! You also receive free notary service, cashiers checks, receive a discount on travel and gift cards, a 10% discount on safety deposit box rent and no monthly service charge.

 
ETA Account
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None  Direct Deposit Only  $3 monthly charge  No 

ETA Account (Direct Deposit Only)

This account is for direct deposit customers only. There is no minimum deposit required. You are allowed 6 withdrawals per month (ATM or withdrawals) and there is a $3.00 monthly service charge. No checks are written on this account.

 
Business Checking
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$50  $600  $6 if balance falls below $600  No 

Regular and Business Checking

This is one of our most popular checking accounts. With a minimum deposit of $50, it's ideal for those who want unlimited check writing for a low service fee, and the service fee is even waived as long as you maintain a $600 balance. You will even receive a free statement organizer with this account to organize your statement images.

 
First Premium
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$50  None  None  Tiered - Rate subject to change weekly 
 
First Reward
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$50  None  None  Tiered - Rate Subject to Requirements 

Refund ATM fees (up to $4.00 per transactions)

Must Make 1 direct deposit or ACH debit per mth and at least 10 check card transactions mthly (exculding ATM), Receive mthly statments via secure e-mail. If account does not meet all requirements during stmt cycle, account will be free but will receive a lower interest and not ATM refunds for that time period.

 
Inquire about any of these accounts
View our Deposit Account Rates

Customer Overdraft Policy

An insufficient balance may result from A) the payment of checks, electronic fund transfers or other withdrawal requests; B) payments authorized by you; C) the return, unpaid of items deposited by you; D) the imposition of the Bank's Funds Availability Policy, are treated as not yet "available" or paid. We are not obligated to pay any item present for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing defined as: A) making regular deposits; B) bringing your account to a positive end-of-day balance every 30 days or less; and C) there are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. We will approve an overdraft for you in an amount for the type of account that you have opened. This limit includes our non-sufficient funds and/or overdraft (NSF/OD) charges of $35.00 per item. Accounts must be open for more than 30 days with regular deposits made. However, the overdrawn account must be brought to a positive balance within 30 days to avoid revoking the overdraft privilege. At the banks discretion, we may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. Overdraft fees may apply to overdrafts created by check, in person withdrawals, recurring debit card transactions or other electronic means.

Notice to All Commercial Accounts

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful internet gambling means to "place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State laws in the State or Tribal Lands in which the bet or wager is initiated, received or otherwise made."

As a valued customer of First National Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.