Checking
Checking accounts made to fit your life.
Our checking accounts are designed to accommodate today’s banking conveniences, while remaining focused on personal service to meet your individual needs.
Digital Checking
Designed to handle a majority of transactions electronically.
- Online banking and mobile banking, including mobile deposit
- Bill pay and Zelle®
- eStatements
- Debit card with text alerts and SecurLock Equip
- No fees will be assessed for use of a non-FNB ATM⁴
- Sure Pay overdraft protection
Interest Checking
Earn a competitive rate of interest if you maintain an average daily balance of $500 in your account.
- Online banking and mobile banking, including mobile deposit
- Bill pay and Zelle®
- eStatements
- Debit card with text alerts and SecurLock Equip
- Free first order of specialty blue checks
- Sure Pay overdraft protection
Advantage Checking
An account offering exclusive benefits if you maintain a $10,000 combined deposit balance relationship.
- Online banking and mobile banking, including mobile deposit
- Bill Pay and Zelle®
- No fees will be assessed for use of a non-FNB ATM⁴
- Debit card with text alerts and SecurLock Equip
- eStatements or paper statements
- First year rent fee waived on a 2×5 safe deposit box
- No fee for debit card replacement or incoming domestic wire transfers
- Free cashier’s checks
- Discounted activation fee for gift cards
- Sure Pay overdraft protection
Money Market Checking
The more you save, the more you earn. This account offers higher interest rates on larger balances.
- Online banking and mobile banking, including mobile deposit
- Bill pay and Zelle®
- eStatements
- Debit card with text alerts and SecurLock Equip
- Sure Pay overdraft protection
Student Checking
Master managing your own finances before living on your own. A checking account designed to meet the needs of students’ age 14 through 26.
- Debit card with text alerts and SecurLock Equip
- Online and mobile banking, including mobile deposit
- Bill pay and Zelle®³
- eStatements
- Free first order of specialty blue checks
- No fees assessed for use of a non-FNB ATM⁴
1st Checking
A low cost, checkless banking solution with convenient access to your money and no overdraft fees.
- Debit card with instant debit card alerts
- Online banking and mobile banking
- Bill Pay and Zelle®
- eStatements
- No overdraft fees
Sure Pay
We know that no one intends to overdraw their checking account, but mistakes happen. Wouldn’t it be nice to avoid a returned item if a small mistake should occur? We think so, and are confident that if you ever need Sure Pay, you will be happy it was there for you.
Checking Comparison Chart
| Account | Minimum Opening Deposit | Special Features | Monthly Service Charge (to avoid monthly service charge) | Minimum Balance |
|---|---|---|---|---|
| Digital Checking | $25 | *full suite of online banking products *no out-of-network ATM fees4 | - | - |
| Interest Checking | $100 | *earn interest on avg daily balance | Fees apply if average daily balance is not maintained7 | $500 |
| Advantage Checking | $500 | *exclusive benefits with higher deposit relationship *no out-of-network ATM fees4 | $10 unless you maintain combined minimum deposit balance | $10,000 combined avg. deposit balance |
| Money Market Checking | $2,500 | *higher interest rates on larger balance *tiered interest rates | $10, if avg. daily balance is not maintained. No interest paid unless min. avg. daily deposit balance is maintained. | $2,500 average daily balance |
| Student Checking | $1 | *debit card *first order free of specialty blue checks *no out-of-network ATM fees4 | None | - |
| 1st Checking | $1 | *no overdraft fees *access to digital banking products *checkless account *unlimited 1st National ATM access | $5.00 monthly maintenance fee | - |
- No fee for paper statements
- Specialty blue check fee
- 18 years of age or older
- Other bank surcharges may apply
- $2.00 discount on gift card activation fee
- Paper statements $2.00
- $5, plus 15 cents per item paid if average daily balance is not maintained. No interest paid unless min. average daily deposit balance is maintained.