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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.

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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+),
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  




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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