Personal Checking  
The Club Account
Classic Service Club
Now Checking
Super Now Checking
Overdraft Checking
Student Accounts
   

Personal Checking

  • 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
  • No Monthly Fee Check Card


--Optional Benefits-

  • Addition $2.00 per month - $30,000 Accidental death insurance Family Coverage.
  • Additional $2.00 per month Identity Theft Protection

Classic Service Club
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
  • Direct Deposit
  • Traveler's Checks without issue charge
  • Free Notary service
  • 10% Safe Deposit Box discount
  • No fee Check Card

Now Account Checking

  • 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 Checking

  • Available for all personal accounts and non-profit organizations.
  • Minimum opening balance is $2500.00
  • 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.
  • There is a .15 per check or debit item charge.

Overdraft Checking
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.

Student Checking Account
You get the following services for being a Full Time Student:

  • Minimum opening balance…$100.00
  • No maintenance fee
  • No minimum balance