People need checking accounts to help manage their money. But that doesn't mean that everyone should have the same type of checking account. That's why FNB offers choices. Our comprehensive line of checking accounts and services offers everything you need to help you maximize your money and manage your finances. Whether you use your checking account occasionally or every day, you'll find an account that's right for you.

Quick Switch
First Free Checking
First Choice Checking
First Plus Checking
First Class Checking
First Class Checking 50+

You Are Invited to the First National Bank Quick Switch Program!

Have you been thinking of opening an account with First National? Our Quick Switch Program is designed for you to easily transfer any automatic debits and/or credits from your current checking account to your new checking account at First National! With this simple program, we assist you in making the switch!

Joining the Quick Switch Program gives you FREE checking, FREE debit card (subject to credit approval), overdraft privilege (after account is opened and in good standing for 30 days), FREE 1st year 3 x 5 safe deposit box, FREE online banking and FREE 1st order standard bank checks. Just follow the steps:

1. Open your new checking account at First National Bank - Come into the bank to open your account. Write down the routing number and account number that are located on the bottom on your new FNB checks for future reference.
   
   
2. Stop using your old checking account - You should stop using your old bank account but leave it open until your direct deposits and automatic payments have been changed AND all your checks have cleared! You are reminded to destroy all unused checks, deposit slips and ATM cards.
   
   
3. Change or sign up for direct deposits - The fastest way to sign up or change a direct deposit is to ask the company or organization that issues the check for their direct deposit form. Or, click HERE for a copy of the form. Complete the form using your new account number and routing number. Faster still, you may call direct – Social Security/SSI 1-800-772-1213 Veteran’s Benefits 1-800-827-1000
   
   
4. Automatic Payment Change - For the utilities bill, loan payment, insurance premium, etc. being automatically deducted from your account – you must notify each company that you have switched banks! They will advise you how to proceed or you may be able to make the change over the phone. Have your account information (old and new) available. Or, CLICK HERE for a copy of the form.
   
   
5. Close Your Old Bank Account - When all your checks and automatic payments/deposits have cleared, you may close your old bank account. If there are questions, just stop by the bank, call 1-800-235-5737, or email us. Brenda or Bertha will personally assist you with completion of all of the forms.

We want you to enjoy EASY banking at First National Bank! Make The Switch!!

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First Free Checking
Imagine a checking account with no monthly fees, regardless of the number of checks you write or the balance you maintain. FNB's First Free Checking Account is just that-and more.

• $50 Minimum to open
• Unlimited checkwriting
• Unlimited ATM deposits and withdrawals
• $250 Overdraft Privilege available to qualified accounts
• Instant Cash ATM Card ­ No surcharge at FNB ATM or Wells Fargo ATM machines on premises
• Instant Cash Visa Check Card available
• INFO-LINK 24-Hour automated information line
• Automatic Savings Plan available
• Imaged statement
• INFO-NET Online Banking available
• No monthly maintenance fee regardless of your balance

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First Choice Checking
Make banking even easier with a full-service checking account.

• $100 Minimum to open
• Unlimited checkwriting at no extra charge
• Unlimited ATM deposits and withdrawals
• $500 Overdraft Privilege available to qualified accounts
• Instant Cash ATM Card ­ No surcharge at FNB ATM or Wells Fargo ATM machines on premises
• Instant Cash Visa Check Card available
• INFO-LINK 24-Hour automated information line
• Automatic Savings Plan available
• Imaged statement
• Sweep feature available
• INFO-NET Online Banking is available

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First Plus Checking
If you want to earn interest on your checking account and enjoy unlimited checkwriting, this account is for you!

• $100 Minimum to open
• Unlimited check writing at no extra charge
• Unlimited ATM deposits and withdrawals
• Interest paid monthly
• $500 Overdraft Privilege available to qualified accounts
• Instant Cash ATM Card ­ No surcharge at FNB ATM or Wells Fargo ATM machines on premises
• Instant Cash Visa Check Card available
• INFO-LINK 24-Hour automated information line
• Automatic Savings Plan available
• Imaged statement
• Sweep feature available
• INFO-NET Online Banking is available

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First Class Checking
First Class Checking is our premium banking package that rewards you for having more of your total banking relationship with FNB. First Class combines a checking account with a host of convenience banking "extras" to give you all the service you need-without all the service charges.

• $100 Minimum to open
• Unlimited checkwriting at no extra charge
• Unlimited ATM deposits and withdrawals
• Interest paid monthly
• $750 Overdraft Privilege available to qualified accounts
• Instant Cash ATM Card ­ No surcharge at FNB ATM or Wells Fargo ATM machines on premises
• Instant Cash Visa Check Card available
• INFO-LINK 24-Hour automated information line
• Automatic Savings Plan available
• Sweep feature available
• FREE - INFO-NET Online Banking
• FREE - One box of personalized wallet-style First Class checks per year
• FREE - Travelers checks, money orders, and cashier's checks
• FREE - First-year rental on select safe deposit boxes
• FREE - Telephone transfers
• Discount on personal loan with automatic debit*
• Combined Account Imaged Statement

* Loans are subject to credit approval.

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First Class Checking 50+
Individuals age 50 plus, enjoy all the benefits of First Class Checking, plus other great extras.

• $100 Minimum to open
• Unlimited checkwriting at no extra charge
• Unlimited ATM deposits and withdrawals
• Interest paid monthly
• $750 Overdraft Privilege available to qualified accounts
• Instant Cash ATM Card ­ No surcharge at FNB ATM or Wells Fargo ATM machines on premises
• Instant Cash Visa Check Card available
• INFO-LINK 24-Hour automated information line
• Automatic Savings Plan available
• Sweep feature available
• FREE - INFO-NET Online Banking
• FREE - One box of personalized wallet-style First Class checks per year
• FREE - Travelers checks, money orders, and cashier's checks
• FREE - Telephone transfers
• 25% off annual rental on select safe deposit boxes
• Combined Account Imaged Statement

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