Checking and Savings

Checking Accounts

First National Bank’s checking accounts are tailored to meet your demanding needs in today’s hectic world.  You can access your accounts by ATM, Point of Sale, voice banking, internet banking, and IPhone or Android app.  You will have 24/7 access to your funds at all times.


Life’s Advantage Checking

A deposit of only $50.00 is necessary to open the Life’s Advantage Checking account.

You will receive all the exclusively designed wallet checks you need at no additional cost. Your special checks will be printed with your name and address. No minimum balance is required and you receive cashier’s checks at no charge.

Your monthly membership fee also includes $10,000 in Accidental Death Insurance* through ACE American Insurance Company, including $20,000 in Accidental Death Insurance* when you travel by licensed Common Carrier. Your first year’s rental fee on a personal size safe deposit box is free with new rentals only.  You will also receive two free stop payments and two free domestic wire transfer. If you would like more details on Life Advantage Club Checking accounts then please speak with one of our friendly new accounts representatives.

Minimum Balance Requirements: No minimum balance required.  You will earn interest on your account if your average collected daily balance is over $1,000.00.

Fees: A monthly maintenance fee of $10.95 will be imposed every statement cycle.

*This product is not a deposit, not FDIC-Insured, not insured by any Federal Government agency, and not guaranteed by the bank.


Life’s Advantage Checking 50 Plus

The Life’s Advantage Checking 50 Plus account is available to those individuals who are 50 years or better with a minimum opening deposit of $50.00.

You will receive all the exclusively designed wallet checks you need at no additional cost. Your special member checks will be printed with your name and address. No minimum balance is required and you will receive cashier’s checks at no charge.

Your monthly membership fee also includes $10,000 in Accidental Death Insurance* through ACE American Insurance Company, including $20,000 in Accidental Death Insurance* when you travel by licensed Common Carrier. Your first year’s rental fee on a personal size safe deposit box is free with new rentals only.  You will also receive two free stop payments and two free domestic wire transfers. If you would like more details on Life Advantage Checking 50 Plus accounts then please speak with one of our friendly new accounts representatives.

Minimum Balance Requirements: No minimum balance required. This account is restricted to those who are 50 years or better and is interest bearing so long as your average collected daily balance is over $1,000.00.

Fees: A monthly maintenance fee of $9.95 will be charged each statement cycle.

*This product is not a deposit, not FDIC-Insured, not insured by any Federal Government agency, and not guaranteed by the bank.


Active Life Checking Account

The Active Life Checking Account requires a minimum opening deposit of $50.00.

The account has no per check charges.  You will receive free internet banking with bill pay, a free debit card, and unlimited ATM transactions at both of the First National Bank’s ATM locations.

Minimum Balance Requirements: No minimum balance required.  This is a non-interest bearing account.

Fees: A monthly maintenance fee of $7.95 will be imposed if the average daily balance falls below $750 for the statement cycle. If the average daily balance for the statement cycle is over $750 but less than $1500 then a monthly maintenance fee of $4.95 will be imposed. There will be no monthly maintenance fee if the average daily balance is above $1500 for the statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.


Student Life Checking Account

The Student Life Checking Account requires a minimum deposit of $50.00.  It is exclusively available to those who are between the ages 12-25 years of age.

The customer will be assigned a banking officer designated as a personal Money Manager.  This account has no per check charges.  You will receive free internet banking with bill pay, a free debit card, and unlimited ATM transactions at both of the First National Bank’s ATM locations.

Minimum Balance Requirements: No minimum balance required.  This is an interest bearing account.

Fees: There are no fees associated with this account.


Prime Life Checking Account

The Prime Life Checking Account requires a minimum deposit of $50.00 and is reserved for those who are 55 years of age or over.

This account has no per check charges.  You will receive free internet banking with bill pay, a free debit card, and unlimited ATM transactions at both of the First National Bank’s ATM locations.  You will also receive a personal size safe deposit box free for one year.  ** Subject to Availability**

Minimum Balance Requirements: No minimum balance required.  This is a non-interest bearing account.

Fees: A monthly maintenance fee of $7.95 will be imposed if the average daily balance falls below $750 for the statement cycle. If the average daily balance for the statement cycle is over $750 but less than $1500 then a monthly maintenance fee of $4.95 will be imposed. There will be no monthly maintenance fee if the average daily balance is above $1500 for the statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.


Commercial Checking

A commercial checking account requires a minimum deposit of $100.00.

Fees: Commercial accounts are charged based upon account analysis and are subject to change at our descretion.  A monthly maintenance fee for $10.00 will be charged each statement cycle. Also, $.15 will be charged for each debit transaction like withdrawals, checks paid, automatic transfers, or payments out of this account.  Credit will be given based on the collected balance to help offset the charges.


Now Account

The NOW Account requires a minimum deposit of $1,500.00 and is an interest bearing account.

Fees:  There will be a monthly maintenance fee of $10.00 each statement cycle in the event your average daily balance falls below $1,500.00 during a statement cycle.

Activity Fee:  $.15 for each debit item in excess of ten (10) if the average collected daily balance falls below $1,500.00.


Investment Account

An investment account requires a minimum deposit of $1,000.00 and is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart.  At our discretion, we may change the interest rate and annual percentage yield on the account at any time. Interest begins to accrue on the first business day after you deposit non-cash items.  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited then you will not receive the accrued interest.

Minimum Balance Requirement:  A minimum average collected daily balance of $1,000.00 is required to obtain the disclosed annual percentage yield.

Limitations:  Please see Money Market limitations.

Fees:  A monthly maintenance fee of $10.00 will be charged every statement cycle if the average collected daily balance falls below $1,000.00 for the cycle. If your average collected daily balance is over $1,000.00 then you will earn interest on your account.


Money Market Account

The Money Market Account requires an opening deposit of $2,500.00 and is an interest bearing account.

Limitations: Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.  You may make six (6) transfers from your account each four (4) week or similar period if they are preauthorized or automatic transfers, or telephone (including data transmission agreement), order or instruction to third parties.

Maintenance Fees: A monthly maintenance fee of $10.00 will be billed in the event the average daily balance falls below $2,500.00 during a given statement cycle.


Savings Accounts

It is never too late, or too early, to save for the future. A First National Bank savings account can help you meet your savings goals. We offer competitive rates with a low required minimum balance and no monthly maintenance fee for as long as the required minimum balance is maintained.


Statement Savings

The Statement Savings account requires a minimum deposit of $100.00 and is an interest bearing account.

Limitations: Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.  You may make six (6) transfers from your account each four (4) week or similar period if they are preauthorized or automatic transfers, or telephone (including data transmission agreement), or instruction to third parties.

Fees:  There will be a monthly maintenance fee of $1.00 each statement cycle if the average collected daily balance in the account falls below $100.00 during a given cycle.

Activity Fee: $1.00 will be charged for each debit in excess of one (1) during a month.


Kids Life Savings Club

The Kids Life Savings Club does not require a minimum deposit and is limited to individuals who must be 17 years of age or younger.

The child will be assigned a banking officer designated as a personal Money Manager. The child will receive free internet banking.  The child will be rewarded with a special ID card, gifts, and other prizes.  With each $5.00 deposit, the child is allowed to select a prize from the Treasure Chest.  Debit and ATM transactions are not allowed.   This account is limited to 6 withdrawals each four (4) week or similar period.

Minimum Balance Requirements:  No minimum balance required.  This is an interest bearing account with a special bank designated rate.

Fees: There are no fees associated with this account.