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Personal Checking

Whether you are depositing a paycheck, Social Security or a pension, each account offers uniquely designed features which make selecting the best option for your needs easy.

Checking Accounts

A checking account, also referred to as a demand deposit or transaction account, is the most common and widely used bank product.

A checking account is primarily used to deposit funds, including cash, checks and electronic transfers, and to disperse funds via paper check, electronic pre-authorized withdrawals, debit card purchases, ATM card withdrawals and transfers.

All of this can be done in-person at one of our 7 convenient locations, on the phone or online.

Options to Fit Your Needs

In response to varying customer needs, First National Bank & Trust offers a variety of personal checking accounts. Whether you are depositing a paycheck, Social Security or a pension, each account offers uniquely designed features which make selecting the best option for your needs easy.

« Please swipe left to view the rest of the account table »

The chart below indicates the attributes and availability of services regarding different account types available at the bank.

Hometown Checking Accounts, Green Accounts, and Premium Checking Accounts have no minimum balance. NOW accounts have a $1000 minimum balance and Money Market Accounts have a $2500 minimum balance.

Hometown Checking accounts, Green Accounts, and Premium Checking accounts are non-interest bearing. NOW Accounts and Money Market Accounts compound/credit interest on a monthly basis.

Hometown Checking Accounts and Green Accounts have no monthly fee. Premium Checking Accounts' $3 fee is waived for no check activity, a minimum daily balance of $500, an average daily balance of $800, the account holder is older than 55 years of age, or direct deposit. Now Accounts' $5 fee is waived if a minimum daily balance of $1000 is maintained. Money Market Accounts' $5 fee is waived if a minimum average daily balance of $2500 is maintained.

Online Banking is available to all personal checking accounts.

Online Bill Pay is available to all personal checking accounts except Money Market Accounts.

Mobile Banking is available to all personal checking accounts.

E-Statements are available to all personal checking accounts but are required for Green Accounts.

Debit cards are available to all personal checking accounts except Money Market Accounts. For Green Accounts, there is five cent cash back on each debit card transaction, excluding ATM withdrawals

There is unlimited check-writing/withdrawals for Hometown Checking Accounts, Premium Checking Accounts, and NOW Accounts. For Green Accounts, five paper checks are processed per statement cycle with $2 per check thereafter. For Money Markey Accounts, transaction limitations apply.

Check images are available to Premium Checking Accounts, NOW Accounts, and Money Market Accounts.


Hometown Checking Green Account Premium Checking NOW Account Money Market
Minimum Balance to Open None None None $1,000 $2,500
Interest Compounded/Credited Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Monthly Monthly
Ways to Avoid a Monthly Service Fee No Monthly Fee No Monthly Fee
$3.00
Waived for: No check activity,
Min. daily balance $500, avg. daily balance $800,
Senior Citizen (55+),
Direct Deposit
$5.00
Waived if minimum daily balance
is maintained. Minimum balance: $1,000
$5.00 
Waived if minimum avg. daily balance 
is maintained. Minimum balance: $2,500
Online Banking  
  

 
 
Online Bill Pay  


check mark icon


Mobile Banking


 
eStatements Required

 
Debit Card $0.05 cash back on
each Debit Card transaction,
excludes ATM withdrawals



Check-Writing/ Withdrawals Unlimited Five paper checks processed
per statement cycle; $2.00 per check thereafter
Unlimited Unlimited Transaction limitations apply
Check Images

 
 

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Please contact us online or via phone at (906)774-2200 for more information.

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