Personal Banking
Too often these days, the personal gets left out of personal banking. We're here to put it back for you, with accounts designed around your changing needs and service that's second to none.
So, if you need to open a new account come by any FNB location. Or, call us; we'll even come to you.
Learn more about the following services:
Checking Accounts
Access Checking
- Unlimited check writing
- Free Check Card
- Free Internet Banking
- Free Internet Bill Payment
- Monthly service charge of $7.00 is waived with $600 minimum daily balance
- Minimum opening deposit $100
The Emblem Account
- Checking with highest First National interest rates paid on daily collected balance
- Interest earned rises with balance tiers: <$5,000; $5,000-$24,999 and $25,000+
- Unlimited check writing
- Free Check Card
- Free Internet Banking
- Free Internet Bill Payment
- Monthly service charge of $15.00 is waived with $2,500 average daily balance
- Minimum opening deposit $1,000
50 + Checking
- Available to ages 50 and over
- No monthly service charge
- No minimum balance requirement
- Free personalized checks
- Unlimited check writing
- Free Check Card
- Free Internet Banking
- Internet Bill Payment $4.95 per month
- Free Notary Service
- Travelers checks issued at no charge
- Minimum opening deposit: $100
Free Checking
- Free to all school teachers, policemen and firemen
- Free if $10,000 or more is held in another account
- Free if a monthly direct deposit of at least $500 is routed to this account
- Free to business owners with Business Checking or Streamlined Business Checking
- No monthly service Charge
- No minimum balance requirement
- Unlimited check writing
- Free Check Card
- Free Notary Service
- Minimum opening deposit: $100
- One account per person; lapse of qualification converts free account to Access Checking
- Free Internet Banking
- Internet Bill Payment $4.95 per month
First Account
- Available to ages 24 and younger
- No minimum balance required
- Free first order of basic wallet checks
- No-charge ATM transactions at other Banks (up to 5/month)
- Unlimited check writing
- Free Check Card
- Low monthly service charge of $2 per month
- Minimum opening deposit: $100
- Free Internet Banking
- Internet Bill Payment $4.95 per month
Money Market and Savings Accounts
Personal Money Market
- Competitive money market rates
- Interest earned rises with balance tiers: <$5,000;$5,000-$24,999;$25,000-$99,999;$100,000+
- Unlimited in-person withdrawals
- Six additional money withdrawals are included at no charge; three may be checks
- Above withdrawals include transfers (automatic, telephone, online), pre-authorized debits
- Additional withdrawals and checks: $10/item
- Monthly service charge of $10 is waived with $2,500 minimum daily balance
- Minimum opening deposit: $1,000
- Free Internet Banking
Live Oak Savings
- Interest compounded and paid quarterly
- Detailed statement sent to customer quarterly
- Six withdrawals per quarter are included at no charge
- Additional withdrawals are charged at $2
- Quarterly service charge of $6 is waived with a $100 balance
- Minimum opening deposit: $100
View our financial calculators.
