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.
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|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+),
| $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|| || || || || |
|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|| || || || || |
We're Here to Help
Please contact us online or via phone at (906)774-2200 for more information.
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