
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 as easy as 1-2-3!
LifePerks Checking
LifePerks, our premier account, 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)
- 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 & Giveaways
- Free Local Entertainment Events
- Free Internet Banking
- Free MyBank Anywhere
- Free Bill Pay
- And more!
Health Checking
Paired with a High Deductible Health Plan (HDHP), a Health Checking Account 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 Account’s 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 - Write Yourself a Loan!
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.
Basic Styles

Marble style - also available in blue and green

Tan Parchment style

Safety style
Premium Styles

Patriotic style

Daisy style

Wildlife style - includes four different designs

CD Special
We offer various rates and flexible terms on our Certificates of Deposit that will fit any need.
View Certificate of Deposit
View Certificate of Deposit

News & Alerts
Check in with us to learn about career opportunities, events and other items of interest. Stay tuned!
Stay Updated with News
Stay Updated with News