Personal Checking Accounts

Personal Account  
The Club Account
Classic Service
Now
Super Now
Student Account
Go Green
Overdraft Protection
   

Personal Account

  • Minimum opening balance - $100.00
  • Minimum daily balance $500 or more - No Charge
  • Minimum daily balance below $500 - $7.00

The Club Account
You get the following services for $8.00 per month.

  • No additional monthly service charge
  • No charge for the Club personalized checks
  • $10,000 Accidental Death Insurance
  • $20,000 Scheduled Airline Insurance


--Optional Benefits-

  • Additional $2.00 per month - $30,000 Accidental Death Insurance Family Coverage.

Classic Service
If you are 50 or over we have a package of services designed for you. It is our Classic Service Club. The following services are available:

  • No monthly service charge
  • No charge Classic Service Club personalized checks
  • 10% Safe Deposit Box discount

Now

  • Available to all personal accounts, non-profit organizations and public funds.
  • Minimum opening balance is $1500.00
  • If daily balance falls below $1500.00, there will be an $8.00 service charge for the month.
  • Simple interest is computed on the collected balance and credited to your account monthly.
  • If your collected balance falls below $1500.00, no interest is earned for the day.
  • The interest rate is established by First National and is subject to change depending on market conditions.

Super Now

  • Available for all personal accounts and non-profit organizations.
  • Minimum opening balance is $2500.00
  • There is a $0.15 per check or debit item charge.
  • Interest is computed on the collected balance and is credited to your account monthly.
  • If your collected balance falls below $2500.00, no interest is earned for the day.
  • The interest is established by First National and is subject to change depending on market conditions.
  • If your balance drops below $2500.00 during the month, there is an $8.00 service charge.

Student Account
You get the following services for being a student:

  • Available to students up to age 24
  • Minimum opening balance is $100.00
  • No maintenance fee
  • No minimum balance
GO GREEN
An environmentally friendly way to bank. It's easy to save money, time and natural resources.

Required Services:

  • Online Banking
  • Debit Card
  • E-Statements
  • No monthly service charge
  • Limit 10 checks per month

Overdraft PROTECTION
Premium checking accounts are designed to end checking account overdraft complications and charges by having an approved loan to be advanced to your checking account should you overdraw. Talk with any of our loan officers about ways to access your credit line, finance charges, pay schedules and your personal credit loan limit.