Student Checking
- Ages 12-24
- Debit card – Easy, everyday purchases.
- Mobile Banking – Bank anytime, anywhere.
- Wallet Pay - Fast, secure digital payments.
- Mobile Check Deposit – Deposit checks from your phone.
- More Ways to Bank – Zelle®, Bill Pay, and check writing available for ages 18+.
- Just $25 to Open
- No Monthly Fee
- At age 25, your Student Checking account will automatically convert to a First Choice Basic Checking account.
- Get Up to $50 When you Open an Account!1
Student Savings
- Ages 14-24
- $25.00 minimum to open account
- Earns interest with no monthly service charge
- Up to 5 ATM service charge refunds per statement cycle
- One (1) incoming wire fee refund per statement cycle
Moola Moola Kids Club
- Ages newborn to 13
- Just $5.00 to open an account, with an account opening match up to $25.002
- Earns interest with no monthly service charge
- Exclusive events and programs throughout the year
- Enjoy a special birthday gift every year
- Account automatically upgrades to Student Savings when the account holder turns 14
Student Checking
- Ages 12-24
- Debit card – Easy, everyday purchases.
- Mobile Banking – Bank anytime, anywhere.
- Wallet Pay - Fast, secure digital payments.
- Mobile Check Deposit – Deposit checks from your phone.
- More Ways to Bank – Zelle®, Bill Pay, and check writing available for ages 18+.
- Just $25 to Open
- No Monthly Fee
- At age 25, your Student Checking account will automatically convert to a First Choice Basic Checking account.
- Get Up to $50 When you Open an Account!1
Student Savings
- Ages 14-24
- $25.00 minimum to open account
- Earns interest with no monthly service charge
- Up to 5 ATM service charge refunds per statement cycle
- One (1) incoming wire fee refund per statement cycle
Moola Moola Kids Club
- Ages newborn to 13
- Just $5.00 to open an account, with an account opening match up to $25.002
- Earns interest with no monthly service charge
- Exclusive events and programs throughout the year
- Enjoy a special birthday gift every year
- Account automatically upgrades to Student Savings when the account holder turns 14
Visa® Secured Card
Students can start building credit history, with flexible credit lines based on a security deposit and a low annual fee.
Personal Banking Options
Ohio Homebuyer Plus
Envision the Future You Want
Specialized, tax-advantaged savings account available to Ohio homebuyers.
Personal Loans
You’re Going Places
New car? Vacation? Surprise expense? We’ve got you covered.
Personal Checking
Banking That Fits Your Life
Discover accounts designed to match your everyday needs.
1. Student Checking Account earns 0.05% Annual Percentage Yield (APY) per cycle. APY is current as of 10/16/2026. Rate is subject to change. No minimum balance required. Fees may reduce earnings. At the time of the account opening FNB will match your opening deposit up to $50. Minimum opening deposit is $25. This must be your first or only FNB checking account. Students who have or had an FNB checking account within the past 6 months are not eligible for the bonus. Offer valid through 12/31/2026 or for the first 200 accounts opened, whichever comes first.
2. For the Moola Moola account, at the time of account opening First National Bank will deposit up to $25.00 into the Moola Moola account to match the account opening deposit. The minimum deposit to open and earn the bonus is $5.00. The account opening bonus will not exceed $25.00. One account opening match bonus per minor Tax ID Number per year.
It is the policy of First National Bank to limit you to six savings account withdrawals or transfers per monthly statement period. There is a $10 charge for each withdrawal or transfer after the six permitted in the monthly statement period. This limit does not apply to withdrawals or transfers made in person, in a branch or at an ATM. If you exceed the limit on withdrawals, we will notify you and may have to close your account or convert your savings account to a checking account.
