• Regular Checking  -  Personal & Business


• Interest Bearing Checking Accounts
  •  Personal Checking
  •  VIP Checking


• Vantage Club Accounts

Regular Checking  -  Personal & Business
We offer the same great deal on all our checking accounts -- whether they are personal or business accounts.  We keep it simple and fair. There are no added charges for business checking accounts, and there are no diminished services for personal checking accounts.  We offer the same great service to all our FNB customers.

• Unlimited Check Writing
• No per item charge
• No monthly service charge if ledger balance remains above $300
• If ledger balance falls BELOW $300, a monthly charge of $3.00 is assessed.
• No monthly service charge to students (including college) upon notification to FNB of their student status

Interest Bearing Checking

• Interest is paid monthly, and rates are posted in the FNB  lobby and on statements. Rates are subject to change daily
• Unlimited check writing
• No per item charge
• Minimum balance to open an account is $500.00
• If ledger balance falls below $500 within the month, a $ 5 fee is accessed.

FDIC's Transaction Account Guarantee Program

First National Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2012, all noninterest-bearing transaction accounts* are fully guaranteed by the FDIC for the entire amount of the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance.

* Includes accounts bearing interest of 0.50 percent or less.