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View of hands holding and writing a check, there is a calculator and a pair of glasses on the table too.

Personal Checking

Checking Accounts That Fit Your Life

Whether you’re opening your first account, managing your family’s finances, or looking for extra perks, First National Bank has a checking account designed for you.

Local service. Modern convenience. People you know.

Basic Personal Account

A simple, affordable checking account for everyday banking.

Features

  • Open with just $50
  • Free Online & Mobile Banking
  • Debit Card Available
  • eStatements or Paper Statements

Check Sure

Avoid unexpected overdrafts with Check Sure.

When your checking account needs a little extra coverage, Check Sure can automatically advance funds to help cover eligible transactions. **Subject to approval. See a Loan Officer for Check Sure Application. 

  • Helps protect against returned checks
  • Convenient monthly repayment
  • Peace of mind when you need it most

E Account

Our paperless checking account is perfect for customers who bank online.

Enjoy:

  • Free Debit Card
  • Free Mobile & Online Banking
  • Mobile Check Deposit
  • No Monthly Service Charge
  • eStatements

Hometown Checking

Our most popular checking account, designed for customers who appreciate extra value and hometown service.

Additional Account Benefits

  • Unlimited Check Writing
  • Interest-Bearing Checking
  • Free Checks
  • Debit Card Available 
  • 50% Off Cashier’s Checks & Money Orders
  • One Year of Free Safe Deposit Box Rental

 

Hometown Checking 50

Designed exclusively for customers age 50 and older.

Maintain a minimum balance of $100 and enjoy all of the benefits of our Hometown Checking account. If your balance falls below the required minimum, a monthly service fee will apply.

 

Premier Account

Earn interest while enjoying the flexibility of a checking account.

Features

  • Earn competitive interest
  • Open with $500
  • Up to 20 checks per month
  • Balance of $500 required to maintain and draw interest at the current rate, if balance falls below $500 fees will occur
  • Ideal for customers who maintain higher balances

2026 Fee Schedule  

Fee Schedule

Balancing  

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