Monthly Service charge:

Available with no monthly service fee to those ages 0-18 with an adult co-owner
FREE for customers 75+
No monthly service fee when you sign up to receive e-statements and complete 20 debit card transactions per statement cycle.  Otherwise, $7.50 per month
*If you receive e-statments only, monthly service charge is $5.00. For 20 debit card transactions, monthly service charge is $2.50

Account Benefits

$1000 Accidental Death and Dismemberment Insurance *

  • Provided at no additional charge
  • Coverage is divided evenly for joint accounts
  • Additional benefits to include seat belt and airbag benefit, repatriation of remains benefit, emergency medical evacuation benefit, bereavement and trauma counseling, and more


  • In the event that your identity is stolen, call the toll-free number provided with your information when you open an e-choice account and get connected with a qualified fraud specialist
  • Your assigned fraud specialist will be your single contact and source to resolve your identity theft problem from beginning to end

*Insurance products are not deposits, not FDIC insured, not insured by any federal government agency and not guaranteed by the bank.

Instant Issue Debit Card

At First National Bank, we skip the hassle of ordering you a debit card and having you wait for it in the mail. Instead, we create your debit card for you when you open your account, so you can activate and begin using it immediately!

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Open a New Account Online!

Want to open a checking account but can’t find time to stop by a branch? With First National Bank’s Online Account Opening, you don’t have to! Just click below to get started!