Personal Checking
First National Bank is your best choice, no matter which checking account you choose. Every checking choice starts with all these common checking benefits...and then gets better, based on what you need.
Common Checking Account Benefits
Student Checking
Free Checking
GoldStar Checking
Prestige 50 Club
Our Personal Checking Accounts will save you money by offering lower fees than most banks, yet still give you the convenience that you demand from your bank. We encourage you to open an account and enjoy a personal banking relationship that was designed just for you!
These benefits apply to all of our checking accounts:
• Unlimited transactions - no per item fees
• Free box of personal checks when you open your account (limited styles)
• Free ATM/Debit Card - no fee when you use your card at an FNB ATM
• Free online access to your account(s) - View your balances and transactions, your canceled checks, and make transfers between FNB accounts
• Detailed monthly statements with special safekeeping for your canceled checks (combined with your other accounts if requested)
• Free eStatements
• $50 minimum opening balance
• FREE online bill payment options - make one-time payments or schedule automatic monthly payments for any creditor you choose
• Overdraft protection from a savings account, overdraft line of credit, or home equity line of credit (subject to approval)
• Monthly dormant account fee of $5.00 if no activity in the account for over 1 year and the month end balance is less than $500.00
Free Checking is designed for people with a limited budget who need the convenience of a checking account without high monthly expense.
• No minimum balance requirement
• Includes all
common checking benefits, listed above
Student Checking is the right option to encourage convenience for students age 18 to 24.
• No minimum balance requirement
• Includes all
common checking benefits, listed above
• 5 free foreign ATM transactions per month
• eStatements
• 1 free incoming wire transfer per month
• Automatically changes to a Free Checking account at the age of 25
GoldStar Checking is designed for individuals who demand convenience, but who look for more from their bank.
• All accounts with average daily balances above $2,500.00 will earn interest – See
Current Rates
• Only $2,500.00 average daily balance required to waive the $10.00 monthly service fee
• Includes all
common checking benefits, listed above
Prestige 50 Club membership is open to all customers who are 50 years young and counting. Prestige 50 offers exciting, money-saving features for our valued customers.
• Free checking
• All accounts with average daily balances above $1,000.00 will earn interest – See
Current Rates
• A 50% discount on the annual rental of a First National Bank 3”x5” safe deposit box, subject to availability at Pandora and Bluffton locations
• Certificate of Deposit (CD) bonus of .25% of interest on regular CDs of 4 to 5 year terms with deposits of $2,500.00 or more
• Obtain official checks and money orders at no issue charge (quantity restrictions may apply)
• Includes all
common checking benefits, listed above
FUNDS AVAILABILITY POLICY
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Any delay of funds availability will generally be until the second business day following the day of your deposit.