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Features

First Choice Rewards

First Choice Basic

First Choice Easy Banking

Minimum Deposit to Open$50.00$50.00$25.00
Earns InterestYes, tiered per qualificationYesNot Applicable
Minimum Balance to Earn Interest$0.00$1,000.00Not Applicable
Qualifications to Earn InterestEach 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 ApplicableNot Applicable
ATM RefundsUp to $20.00 per Statement Cycle1Not ApplicableUp to Five (5) ATM Transaction Service Charge refunds per Statement Cycle1
Other Account Benefits1. 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 ChargeNot ApplicableMust 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 MetNo Monthly Service Charge$6.00$5.00
First Choice Rewards
Minimum Deposit to Open$50.00
Earns InterestYes, tiered per qualification
Minimum Balance to Earn Interest$0.00
Qualifications to Earn InterestEach 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 RefundsUp to $20.00 per Statement Cycle1
Other Account Benefits1. 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 ChargeNot Applicable
Monthly Service Charge if Requirements Not MetNo Monthly Service Charge
Open an Account
First Choice Basic
Minimum Deposit to Open$50.00
Earns InterestYes
Minimum Balance to Earn Interest$1,000.00
Qualifications to Earn InterestNot Applicable
ATM RefundsNot Applicable
Other Account Benefits1. 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 ChargeMust 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
Open an Account
First Choice Easy Banking
Minimum Deposit to Open$25.00
Earns InterestNot Applicable
Minimum Balance to Earn InterestNot Applicable
Qualifications to Earn InterestNot Applicable
ATM RefundsUp to Five (5) ATM Transaction Service Charge refunds per Statement Cycle1
Other Account Benefits1. 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 ChargeNot Applicable
Monthly Service Charge if Requirements Not Met$5.00
Open an Account

1. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.

See Our Rates

We offer competitive rates for checking accounts.

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
Open an Account
What You Need<br>to Apply

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
Thinking About<br>Switching Banks?

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.
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Overdraft Options

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.

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Mastercard Debit Cards

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.

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Bank On Certification

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.

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Current Status

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Monday - Friday:
8:30 a.m. to 4:30 p.m.

Saturday:
9:00 a.m. to 11:30 a.m.

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