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.
Free Checking
An account with no fees when you maintain a monthly electronic deposit.
- Online banking and mobile banking, including mobile deposit
- eStatements
- Debit card with instant debit card alerts
- First order free of specialty blue checks
- Sure Pay overdraft protection
eChecking
If you prefer to bank online rather than in-person, then eChecking is the account for you.
- Online banking and mobile banking, including mobile deposit
- eStatements
- First five checks paid during a statement cycle are free
- Debit card with instant debit card alerts
- No fees will be assessed for use of a non-FNB ATM*
- Sure Pay overdraft protection
Student Checking
A checking account designed to meet the needs of high school and college students who are at least 16 years old. Master managing your own finances before living on your own.
- Debit card
- Online and mobile banking, including mobile deposit
- eStatements
- First order free of specialty blue checks
- One service charge refund
- No fees assessed for use of a non-FNB ATM*
Basic Checking
The ideal budget account with no minimum balance requirements.
- Debit card with instant debit card alerts
- Online banking and mobile banking, including mobile deposit
- eStatements
- Sure Pay overdraft protection
1st Checking
A checkless account with low monthly maintenance fee and convenient access to your money.
- Debit card with instant debit card alerts
- Online banking and mobile banking, including mobile deposit
- Bill Pay
- eStatements
- No overdraft fees

Preferred Checking
If you maintain a $500 average daily balance in your checking account or in a linked savings account, our Preferred Checking Account offers no monthly fees and unlimited check writing.
- Debit card with instant debit card alerts
- Online banking and mobile banking, including mobile deposit
- eStatements
- Sure Pay overdraft protection
NOW Checking
If you maintain a $500 average daily balance in your checking account, our NOW Account offers a competitive rate of interest and unlimited check writing.
- Debit card with instant debit card alerts
- Online banking and mobile banking, including mobile deposit
- eStatements
- Sure Pay overdraft protection
Money Market Checking
With a Money Market Checking Account, you earn interest at market based rates with limited check writing privileges and transfers. You’ll earn higher rates with higher balances, and can make unlimited withdrawals in person.
- Debit card with ATM access only
- Online banking and mobile banking, including mobile deposit
- eStatements
Sure Pay
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.
1. Standard money market account
2. Tiered Money Market Account
3. Other bank surcharges may apply
4. For current rate information, call us at (518)370-7200 or visit the interest rate page
5. Must be 18 to enroll.
* Unless you maintain the average daily balance
Checking Comparison Chart
Account | Minimum Opening Deposit | Special Features | Monthly Service Charge (to avoid monthly service charge) | Minimum Balance |
---|---|---|---|---|
Free Checking | $25 | *unlimited check writing *first order free of specialty blue checks or $10 toward any other design | $5 unless you maintain monthly electronic direct deposit | - |
eChecking | $100 | *no domestic ATM fees3 *eStatements required | $1 per check if you exceed five checks per statement period | - |
Student Checking | $25 | *debit card *one service charge refund *first order free of specialty blue checks or $10 toward any other design *no domestic ATM fees3 | None | - |
Basic Checking | $25 | Your account will receive an earnings credit to defray the monthly service charges4 | $1 per month .10 per item paid .05 per item deposited excluding ACH debits and credits | - |
1st Checking | $1 | *no overdraft fees *full access to digital banking products *checkless account *unlimited 1st National ATM access3 | $5.00 monthly maintenance fee | - |
Preferred Checking | $100 | *ability to maintain average daily balance in your checking or linked savings account *unlimited check writing | $3 unless you maintain the average daily balance | $500 average daily balance |
NOW Checking | $500 | *by maintaining an average daily balance, your account will receive a competitive rate of interest4 *unlimited check writing | $3, plus .15 per item
paid, excluding ACH debits* No interest paid* | $500 average daily balance |
Money Market Checking | $2,5001 $10,0002 | *market based interest rates4
*unlimited transactions in person, by mail, messenger or ATM | $3 per month1* $10 per month2* No interest paid* | $2,500 average daily balance1 $10,000 average daily balance2 |
1. Standard money market account
2. Tiered Money Market Account
3. Other bank surcharges may apply
4. For current rate information, call us at (518)370-7200 or visit the interest rate page
5. Must be 18 to enroll.
* Unless you maintain the average daily balance
Annual Earnings Credit Rate
Effective date: June 1, 2023
Products applies only | Annual Percentage Yield |
---|---|
Basic Checking and Business Checking | 0.60% |
FDIC Insured
CDs $50,000+ are subject to daily quote.
All rates are subject to change without notice.
Rate change as of January 1, 2021.
Fees may reduce earnings on accounts.