(205) 921-7435


Personal Banking

Personal Checking







Available for all personal, non-profit, public funds, and sole proprietorship.


Available for all personal, non-profit, public funds, and sole proprietorship.

Compare Accounts

  Free Debit Card Free Checks Safe Deposit Box Discount Online Banking/Online Bill Pay Mobile Banking No Service Charge*+ Interest-Bearing Minimum Opening Balance
Personal Checking*+       $100
Club Account       $100
Classic Service^   $100
NOW Account Checking+     $1,500
Super NOW Checking+     $2,500
Money Market Plus+     $1,000
Go Green Account       $100

*Students under the age of 24
^Over the age of 50
+If balance is maintained

Personal Savings




Other Services and Fees

Bill Pay*

Make your life simple and easy–pay all of your
bills online. First National Bank’s Bill Pay system will allow you to pay any bill anytime. No more check writing, envelope stuffing, stamp buying, or emergency post office runs!

Monthly Charges:

  • Pay 2 bills or less
  • Pay 3 bills in each 30 day cycle

    (cycle by enrollment date)


*Must have had an account for at least 90 days to access this feature.

Overdraft Protection

Stop 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 finance charges, pay schedules, your personal credit loan limit, and ways to access your credit line. Annual fee of $25.00

Safe Deposit Boxes

Rent of safe deposit boxes is billed or charged to your designated account annually:

  • 2x5
  • 3x5
  • 4x5
  • 5x5
  • 3x10
  • 4x10
  • 5x10
  • 10x10

Subject to availability and branch location

Debit Card Services

Enjoy the ease and convenience of the First National Bank debit card. It allows you to pay for purchases with funds in your checking account, or withdraw cash from thousands of ATMs. You can purchase groceries, gas, or anything else wherever VISA/PLUS is accepted. Our debit card works like a check and an ATM card, with no monthly service fee. Sign up today!


Lost Card

Activate Card

Change PIN




Reorder Checks

If this is your first check order or if you have an account with reduced or free checks, please contact or visit your local branch.

If you use the link below, you’ll need your routing number (062202859), account number, and starting number to reorder.

Credit Cards

First National Bank offers credit card products through TCM Bank that has competitive pricing combined with a full range of reward options—making it easy to select and apply for the card that meets your needs.
Our selection of Visa® Consumer Credit Cards offer the flexibility to separate business from personal expenses, to access free spending reports, and the purchasing power you need to manage your expenses. All with the security that comes with every Visa credit card.

Online Banking

View account activity, pay bills, transfer funds, and much more.

Rewards Platinum

First National Bank Platinum Credit Card
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
Earn unlimited reward points that don’t expire!

Cash Rewards Platinum

First National Bank Platinum Cash Rewards Credit Card
No annual fee and 0% into APR for 12 months for purchases and balance transfers.*
Earn unlimited 1% cash back on all purchases!

Platinum Edition

First National Bank Platinum Edition Credit Card
No annual fee and 0% into APR for 12 months for purchases and balance transfers.*
No penalty and low interest rates*!

24/7 Personal Customer Service

Call the Customer Contact Center 24/7 at 1-800-883-0131. Representatives are located in the U.S. and are dedicated to providing you with personal service, the kind you receive when you come into our branch.

*0% Intro Annual Percentage Rate applies top purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the U.S. Prime Rate as published in the Wall street Journal. Rewards Platinum APRs are currently between 10.74% and 20.74%, Platinum Edition APRs are currently between 9.74% and 19.74%, and Cash Rewards Platinum APRs are currently between 13.74% and 21.74%. All APRs are based on creditworthiness. Rates are accurate as of May 1, 2017 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introuductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Subject to credit approval. This card is issued by TCM Bank, N. A. 1 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. 2 To activate coverge, the complete the entire rental transcaction  with you card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.

Certificate of Deposit

CD Features


An Individual Retirement Account (IRA) is a  type of savings account that is designed to help you save for retirement and offers many tax advantages. There are two different types of IRAs: Traditional and Roth IRAs.

The primary difference between a Traditional IRA and Roth IRA is the type of tax benefit each offers. With a Roth IRA, you get no deduction for contributions, but if you follow all the rules your investment earnings will be distributed tax- and penalty-free in retirement. Traditional IRAs can provide a deduction for contributions and you defer taxes on investment earnings until funds are withdrawn, typically in retirement.

Rate Information

To find out our current rate, give us a call or visit any of our convenient locations to speak with a FNB representative.

Compounding and Crediting

Interest will be compounded and credited to the account every 12 month(s). The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding.

Minimum Balance Requirements

You must deposit $500.00 to open this account. You must maintain a minimum daily balance of $500.000 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Balance Computation Method

We use the daily method to calculate interest on your account. This method applies a daily periodic rate to the principle in the account each day. Accrual on noncash deposits- Interest begins to accrue on the business day you deposit noncash items.

Transaction Limitations

Individual Retirement Accounts (IRAs) are subject to limitations and/ or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.

Renewal Policies

Your account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.


*18 month variable rate is subject to change. January 1st and July 1st of each year.