Checking

Checking Services

At First National Bank & Trust, we go by first names, ours and yours. We offer checking accounts to fit every need, with personal service and attention to detail.

Personal Checking Services**

For your personal non-interest bearing checking needs, choose from our Free First or Free Plus accounts. Accounts include:

  • Free e-statements
  • Free First Net
  • Free mobile banking
  • Free 24-First
  • Free I-Pay First
  • Free debit card*
  • $800 Overdraft Privilege*

Both accounts require no minimum balance, no transaction fees, and no monthly service fees.

If you prefer an interest-bearing checking account, choose from our Interest Checking, Money Market or First Reserve accounts. Accounts include:

  • Free image or e-statement
  • Free debit card*
  • Free First Net
  • Free mobile banking
  • Free 24-First
  • Free I-Pay First
  • Competitive interest***

Our Protect First account includes the benefits of an interest bearing checking account plus identity fraud expense reimbursement coverage and identity theft resolution services.

Business Checking Services**

Our business checking services are tailored to your business needs. Please contact one of our personal bankers to determine whether Business First or Business Advantage is best for you. Be sure to ask about our Cash Management capabilities if you are needing the ability to generate payroll files or customer billings. We also offer Business IOLTA accounts for attorneys.

*Separate qualifications required. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Complete details available upon request at any of our locations during regular banking hours.


**All accounts are subject to change without notice.
***Interest accrues at First National Bank & Trust's prevailing market rates. Interest rates may change at any time. Rates are available upon request at any of our locations during regular banking hours.