Checking

LifeSimple Checking

This account helps keep life simple by providing you with more flexibility including no minimum balance requirement. LifeSimple Checking features include:

No minimum balance requirement
Free eStatements (monthly paper statement fee applies)
Free Debit Card or Bluejay/Panther Debit Card upon approval
Free MyBank Anywhere
Free Bill Pay

With our convenient Switch Kit, moving your account to First National Bank is convenient and easy.

LifePerks Checking

Our premier account, LifePerks, is more than just a checking account. It has extra "perks" offered exclusively to our VIP customers. LifePerks Checking features include:

Tiered interest rates
Free First National Bank wallet logo checks ($15 value)
Free Debit Card or Bluejay/Panther Debit Card upon approval
Free debit or ATM card replacement ($10 value)
Free sweep transfers ($2 per month value)
Free notary service
50% off 3 x 5 safe deposit box (up to $12.50 value)
Local business discounts
Free LifeTimes newsletter
Special trip offers
Special rates
Drawings and giveaways
Free local entertainment events
Free digital banking
Free MyBank Anywhere
Free Bill Pay
And more!

For additional information click here or contact the LifePerks Coordinator at 507-835-2740.

Health Checking

Paired with a High Deductible Health Plan (HDHP), a Health Checking Account (HSA) provides medical coverage along with a tax free solution to save for future medical expenses.

A Health Checking Account helps cover, pay for, or reimburse an individual for typical medical expenses such as prescriptions and office visits. Money can be saved in a tax-deferred Health Checking Account to be used for future qualified medial expenses, which are tax free! Other benefits of a Health Checking Account include tax-deductible contributions, tax-free withdrawals for qualified medical expenses and tax-deferred interest earnings. Health Checking Accounts don’t require you to use or spend your saved money by the end of the year. Your funds simply roll over and become available for use the following year.

Contact any of First National Bank’s knowledgeable Personal Bankers to find out how you can start saving today!

Inactive Checking Accounts - A checking account is considered inactive if there has been no activity in the account for a period of 12 months. Any inactive checking account with a ledger balance below $1,000.00 will be assessed an inactivity fee of $5.00 per statement cycle.

Overdraft Protection

Overdraft Protection provides a revolving line of credit available through your checking account that enables you to write yourself a loan or protect your account from an overdraft. Once approved you are able to request a loan under this plan whenever you draw your transaction account below a zero balance. You can draw against your account and obtain a loan by the following methods:

Write a check
Make a purchase or withdrawal using your debit card
Authorize us to make a payment to another person

In-House Check Printing

First National Bank offers personal and business in-house check printing with fast turnaround and low direct prices. Pick up your checks at any of our locations within 1-2 business days or have them shipped for a nominal fee.