Personal Banking

Checking Accounts

From free checking to interest-earning checking to club checking, we’re sure to have a checking account that’s right for you.

First Choice Checking
First Free Checking
Golden Checking
First Interest Checking
First Preferred Checking
Money Market Account

First Choice Checking featuring Generations Gold^®

Enjoy the value and savings every day with First Choice Checking featuring Generations Gold®. Get all the benefits of a great checking account, plus start saving like never before on the items you buy every day.

Banking Benefits include:

Additional Benefits include:

Pays competitive interest
Unlimited check writing
(no per check fees)²
No minimum balance
Free Standard Checks
(limit one box per year)

2 foreign ATM uses per month
without fee⁶
2 Free Cashier’s Checks per month
4 free Money Orders per month
Free Check Images available with
statement
Free Debit MasterCard
Free Internet Banking & Bill Pay
Free 24-hour Tele-Banking
Free E-Statement available
Combined 1-Statement available*

Up to 50% Safe Deposit Box savings³
$5 monthly membership fee, or
$3 monthly membership fee for
persons age 50 or better

Identity Theft Restoration
Consumer Action Team
Purchase Protection Program
Travel, Hotel, Car Rental, Theme Park and Vacation Services & Discounts
Long Distance & Pre-Paid Phone Card Savings
Sam's Club & Costco Membership Discounts
National Restaurant Discounts
Movie Discounts
National Retail & Internet Discounts
Prescription Discounts
Vision Care Discounts
Hearing Care Discounts
Internet Access Discounts

Plus, special savings programs on:

Internet Grocery Coupons
Credit Monitoring & Alerts
24-Hour Emergency Road Service
Student Grant Locator Service
Veterinary Pet Insurance
Family Dental Coverage
Term Life Insurance

Click here to visit Generations Gold^® and learn more about these great benefits!

First Free Checking

Enjoy the freedom of this great checking account!

No minimum balance
No monthly service fee
Unlimited check writing (no per-check fees)²
Two foreign ATM uses per month without fee⁶
Check Images available via Internet Banking
Free Debit MasterCard
Free Internet Banking & Bill Pay
Free 24-hour Tele-Banking
Free E-Statements available
Combined 1-Statement available*

Golden Checking

The perfect FREE account for our customers age 50 and better!

First box of membership checks free
No minimum balance
No monthly service fee
Unlimited check writing (no per-check fees)²
Two foreign ATM uses per month without fee⁶
Free Check Images available with statement
Free Debit MasterCard
Free Internet Banking & Bill Pay
Free 24-hour Tele-Banking
Free E-Statements available
Combined 1-Statement available*

First Interest Checking

Earn interest on your monthly checking account balance!

Pays competitive interest
No monthly service fee with minimum daily balance of $800 (or $2,000 average monthly balance)⁴
Unlimited check writing (no per-check fees)²
Two foreign ATM uses per month without fee⁶
Free Check Images available with statement
Free Debit MasterCard
Free Internet Banking & Bill Pay
Free 24-hour Tele-Banking
Free E-Statements available
Combined 1-Statement available*

First Preferred Checking

Your checking balance earns even higher interest!

Pays competitive interest
No monthly service fee with minimum daily balance of $5,000⁵
Unlimited check writing (no per-check fees)²
Two foreign ATM uses per month without fee⁶
Free Check Images available with statement
Free Debit MasterCard
Free Internet Banking & Bill Pay
Free 24-hour Tele-Banking
Free E-Statements available
Combined 1-Statement available*

Money Market Account

Our Money Market account offers you great interest rates, plus transaction flexibility.

No monthly maintenance fees with minimum daily balance of $2,500
$25 monthly maintenance fee for balances below $2,500
Interest paid at tiered balance levels
Interest compounded and paid monthly
Free monthly account statement
6 Free debit transactions per statement cycle (3 by check)
Unlimited deposit transactions
Combined 1-Statement available*

¹First National Bank has selected Generations Gold, Inc., a fully independent

third party service provider, to provide travel and other discounted services on

an exclusive basis directly to Generations Gold® members. First National Bank

assumes no liability for any of the providers in fulfilling their services. All

liabilities, claims, damages and demands are the direct responsibility of

Generations Gold, Inc., the benefits provider. Discounts received through

Generations Gold® may not be used in conjunction with any other financial

institution discounts.

Not all services available in all areas.

Benefits and services subject to change without notice.

Call for complete program restrictions and details.

²Customer purchases checks unless otherwise indicated.

³Automatic payment from checking or savings account required.

⁴$10 monthly service fee for balances under $800.

⁵$3 monthly service fee for minimum balances between $2,500 and

$4,999.99. $10 monthly service fee for balances under $2,500.

⁶All ATMs not owned by First National Bank are identified "foreign." Not responsible for surcharge fees from non-First National Bank ATMs.

*Combined 1-Statement provides a single monthly statement for all of your First National Bank checking and savings accounts, as well as a summary of your Certificates of Deposit.