Personal Checking
Checking accounts are personal. Pick the one that fits you best. We’re here for you if you have questions.
Personal Checking
Checking accounts are personal. Pick the one that fits you best. We’re here for you if you have questions.
Choose With Confidence
First Choice
Rewards
Rewards? Yes, please. Earn high interest and nationwide ATM fee refunds.
Open an Account
First Choice
Basic
Basic doesn’t have to be boring with our free tools and services to manage your finances.
Open an Account
First Choice
Easy Banking
No need to fuss — banking really is easy with this Bank On Certified Account.
Open an Account
Features | First Choice Rewards | First Choice Basic | First Choice Easy Banking |
|---|---|---|---|
| Minimum Deposit to Open | $50.00 | $50.00 | $25.00 |
| Earns Interest | Yes, tiered per qualification | Yes | Not Applicable |
| Minimum Balance to Earn Interest | $0.00 | $1,000.00 | Not Applicable |
| Qualifications to Earn Interest | Each Monthly Statement Cycle: 1. Have at least 10 Debit Card Purchases Post and Settle. 2. Have at least 1 Direct Deposit, Bill Pay Transaction, or Automatic Payment (ACH) Post and Settle. 3. Be Enrolled and Receive eStatements. | Not Applicable | Not Applicable |
| ATM Refunds | Up to $20.00 per Statement Cycle1 | Not Applicable | Up to Five (5) ATM Transaction Service Charge refunds per Statement Cycle1 |
| Other Account Benefits | 1. Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size. 2. Age 60 and over receive free Exclusive High Security Checks, 2 orders per year, limit 1 box per order. | 1. Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size. 2. Age 60 and over receive free Exclusive High Security Checks, 2 orders per year, limit 1 box per order. 3. Age 60 and over: Paper statement fee waived. | 1. Insufficient/Uncollected Funds Charge, Dormant/Inactivity Fee and early closeout fee do not apply. 2. Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size. |
| Requirement to Waive Monthly Service Charge | Not Applicable | Must have at least one of the below requirements: 1. $2,500.00 Minimum Average Daily Balance OR 2. $25,000.00 in Deposit Accounts OR 3. Any Active Loan OR 4. Age 24 and under OR 5. Age 60 and over OR 6. Receive Monthly Direct Deposit into this account | Not Applicable |
| Monthly Service Charge if Requirements Not Met | No Monthly Service Charge | $6.00 | $5.00 |
| Minimum Deposit to Open | $50.00 |
|---|---|
| Earns Interest | Yes, tiered per qualification |
| Minimum Balance to Earn Interest | $0.00 |
| Qualifications to Earn Interest | Each Monthly Statement Cycle: 1. Have at least 10 Debit Card Purchases Post and Settle. 2. Have at least 1 Direct Deposit, Bill Pay Transaction, or Automatic Payment (ACH) Post and Settle. 3. Be Enrolled and Receive eStatements. |
| ATM Refunds | Up to $20.00 per Statement Cycle1 |
| Other Account Benefits | 1. Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size. 2. Age 60 and over receive free Exclusive High Security Checks, 2 orders per year, limit 1 box per order. |
| Requirement to Waive Monthly Service Charge | Not Applicable |
| Monthly Service Charge if Requirements Not Met | No Monthly Service Charge |
| Minimum Deposit to Open | $50.00 |
|---|---|
| Earns Interest | Yes |
| Minimum Balance to Earn Interest | $1,000.00 |
| Qualifications to Earn Interest | Not Applicable |
| ATM Refunds | Not Applicable |
| Other Account Benefits | 1. Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size. 2. Age 60 and over receive free Exclusive High Security Checks, 2 orders per year, limit 1 box per order. 3. Age 60 and over: Paper statement fee waived. |
| Requirement to Waive Monthly Service Charge | Must have at least one of the below requirements: 1. $2,500.00 Minimum Average Daily Balance OR 2. $25,000.00 in Deposit Accounts OR 3. Any Active Loan OR 4. Age 24 and under OR 5. Age 60 and over OR 6. Receive Monthly Direct Deposit into this account |
| Monthly Service Charge if Requirements Not Met | $6.00 |
| Minimum Deposit to Open | $25.00 |
|---|---|
| Earns Interest | Not Applicable |
| Minimum Balance to Earn Interest | Not Applicable |
| Qualifications to Earn Interest | Not Applicable |
| ATM Refunds | Up to Five (5) ATM Transaction Service Charge refunds per Statement Cycle1 |
| Other Account Benefits | 1. Insufficient/Uncollected Funds Charge, Dormant/Inactivity Fee and early closeout fee do not apply. 2. Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size. |
| Requirement to Waive Monthly Service Charge | Not Applicable |
| Monthly Service Charge if Requirements Not Met | $5.00 |
1. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.
What You Need
to Apply
- Driver's license or State ID
- Previous home address (if you have lived at your home address less than 2 years)
- U.S. Social Security number
- Cash or U.S. checking or savings account to fund the account
Thinking About
Switching Banks?
We know that switching banks is overwhelming. Use our Switch Kit to make the process easier. Our Customer Service Representatives are happy to assist you through the process. Please don’t hesitate to ask for help!
Get the Switch Kit
What You Need
to Apply
- Driver's license or State ID
- Previous home address (if you have lived at your home address less than 2 years)
- U.S. Social Security number
- Cash or U.S. checking or savings account to fund the account
Thinking About
Switching Banks?
We know that switching banks is overwhelming. Use our Switch Kit to make the process easier. Our Customer Service Representatives are happy to assist you through the process. Please don’t hesitate to ask for help!
Order Checks From Deluxe!
Don't get caught without checks. Navigate the Deluxe website to explore a wide array of personal check design options.
Overdraft Options
We understand that you may need an occasional safety net for when the unexpected occurs. Our overdraft options can save you time, money, and hassle. Here’s how it works:
- Offered at time of account opening, except for accounts opened online.
- Overdraft options can be added or removed to/from an account at any time.
- Simply stop in to any branch and we'll help you get signed up.
- Only Overdraft Protection is available to business accounts from a Savings Account or a Line of Credit.
Mastercard Debit Cards
A debit card makes purchasing easy. Funds are deducted automatically from your account with no interest charges. We also offer access to thousands of surcharge-free ATMs nationwide through the MoneyPass® network.
- Mastercard® Debit Cards come with a wide variety of benefits...all at no cost and no need for you to register to take advantage of the benefits! Visit the Mastercard® My Card Benefits page for details.
- Being a Mastercard® Debit Card holder also gives you the opportunity to take advantage of Mastercard® ID Theft ProtectionTM. The services include fraud protection, detection, alerting and resolution. Get the full details from the Mastercard® ID Theft Protection page.
Overdraft Options
We understand that you may need an occasional safety net for when the unexpected occurs. Our overdraft options can save you time, money, and hassle. Here’s how it works:
- Offered at time of account opening, except for accounts opened online.
- Overdraft options can be added or removed to/from an account at any time.
- Simply stop in to any branch and we'll help you get signed up.
- Only Overdraft Protection is available to business accounts from a Savings Account or a Line of Credit.
Mastercard Debit Cards
A debit card makes purchasing easy. Funds are deducted automatically from your account with no interest charges. We also offer access to thousands of surcharge-free ATMs nationwide through the MoneyPass® network.
- Mastercard® Debit Cards come with a wide variety of benefits...all at no cost and no need for you to register to take advantage of the benefits! Visit the Mastercard® My Card Benefits page for details.
- Being a Mastercard® Debit Card holder also gives you the opportunity to take advantage of Mastercard® ID Theft ProtectionTM. The services include fraud protection, detection, alerting and resolution. Get the full details from the Mastercard® ID Theft Protection page.
Title Insured Cash Sweep (ICS) Program by IntraFi®
Are you looking for additional security for your funds? Rest assured that First National Bank is in good health! But if you would still like to have a reassurance that your money is safe, consider learning about Insured Cash Sweep. ICS is a simple and safe service that uses a network of federally insured banks to cover more of your money. You’ll receive the convenience of working directly with us and receiving one interest rate and getting complete FDIC insurance coverage.
Bank On Certification
The First Choice Easy Banking account has received Bank On certification and ensures that everyone has access to a safe and affordable bank account. This account is designed so that every individual and family has access to a simple checking account to process transactions and manage their finances.
Learn More
Bank On Certification
The First Choice Easy Banking account has received Bank On certification and ensures that everyone has access to a safe and affordable bank account. This account is designed so that every individual and family has access to a simple checking account to process transactions and manage their finances.
Ready to Get Started?
Reach out directly to our friendly representatives for any account needs.
Personal Banking Solutions
Personal Savings
Let Your Money Work Harder
It’s never too early—or too late—to start saving.
Mortgages
Your Homebuying Journey Starts Here
Your home purchase is as important to us as it is to you.
Personal Loans
You’re Going Places
New car? Vacation? Surprise expense? We’ve got you covered.
