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Checking Accounts

New No-Fee Simple eChecking

As a First National customer, you get simplicity, convenience and money-saving options, including our new Simple eChecking.

Simple eChecking is a no monthly fee* checking account. As long as you have eStatements, all your electronic banking needs are covered with no monthly fee. This account is great for students heading back to school–they can bank from their smartphone with no fees!

Included in your Simple eChecking account:

  • Online Banking
  • BillPay
  • Mobile Deposit
  • Mobile Banking
  • Account Alerts

*Paper statements are a $2.00 monthly fee

Find out which account is right for you and contact a banker to get started.

Compare Accounts

Simple eChecking+

Our Simple eChecking account has no minimum balance and no monthly fee* as long as you have eStatements.

*$2.00 monthly fee for paper statements

Interest Checking+

An interest-bearing checking account. Minimum balance requirement of $500.00. $5.00 maintenance fee per month, 20 cents per debit transaction and a $2.00 paper statement fee if you receive paper statements if balance falls below $500 or a $1,000 average balance for the statement cycle. Check images are returned with your monthly statement. E-statement options available. Interest rate of 0.05% compounded monthly. For all current interest rates, click here.

Mainstreeter Checking+

An account for our clients aged 55 or older. Minimum balance of $5,000.00 in any checking, savings or certificate of deposit account. Click here for benefits.

HSA (Health Savings Account) Checking+

$25.00 one time setup fee. $2.00 maintenance fee per month. HSAs are used to pay for or reimburse qualified medical expenses.

What is a Health Savings Account?

A Health Savings Account (HSA) is a type of personal checking account that helps those with qualified high-deductible health plans (HDHPs) save money on many out-of-pocket medical expenses like doctor visits, vision and dental care, and prescriptions.

Save it. Use it. Never lose it.

Tax Advantages

An HSA offers unique tax advantages that help you keep more of your hard-earned money by providing the potential for:

  • Pretax contributions: Contributions to your HSA can be made with pretax dollars which means every dollar you contribute is a dollar saved (your employer may offer a payroll deduction option to help you make contributions on a pretax basis) Refer to for more information.
  • Tax-free gains: Any gains on the money in your HSA are tax-free so you keep 100% of any money your HSA savings or investments earn, boosting the amount of money you have to cover your out-of-pocket medical costs.
  • Tax-free withdrawals: You won’t pay taxes on money you withdraw for qualified medical expenses.


You decide:

  • How much money to save in your account (up to the IRS contribution limit)
  • Which qualified medical expenses to pay with your HSA

Other Advantages

  • No “use it or lose it” rules
  • Any unused balance carries over from one year to the next
  • Easy way to pay
  • Free HSA MasterCard debit card with no transaction fees
  • Mobile app
  • Check your balances and monitor your account all from your Smartphone
  • Online account access makes it easy to monitor accounts
  • Checks available

Additional Checking Services

Chip-enabled Debit Cards Now Available

First National Bank now offers chip-enabled debit cards. Chip-enabled cards offer added security and are the safest debit cards available.

Learn More