Checking

Find a business account that checks all your boxes.

 
Increase your financial efficiency and take control of your business checking. You have options at First National Bank.
Person using tablet looking at financials.
You have a vision for your company with plans to make it reality. You also know what you want when it comes to important details like a checking account. Whether you're looking for simple and straightforward or the option to earn higher interest, find your next go-to account at First National Bank. Whichever you choose, you'll get access to digital tools you need to manage your business finances anywhere, anytime.
 

1st Step Small Business Checking

 
  • $50 Minimum Opening Balance
  • 100 Free Items ($0.25 per item charge if exceeded)
  • No Monthly Service Charge
  • Free Basic Banno Business Access

Small Business 250 Checking

 
  • $100 Minimum Opening Balance
  • 250 Free Items ($0.25 per item charge if exceeded)
  • $20 Monthly Service Charge
  • Full Banno Business Access

Small Business Anywhere Checking

 
  • $250 Minimum Opening Balance
  • 500 Free Items ($0.25 per item charge if exceeded)
  • $40 Monthly Service Charge
  • Full Banno Business Access

Community Checking (501C3/Non-Profit Exclusive)

 
  • $50 Minimum Opening Balance
  • 500 Free Items ($0.25 per item charge if exceeded)
  • No Monthly Service Charge
  • Full Banno Business Access

Commercial Banking Anywhere

 
  • $1,000 Minimum to Open
  • 500 Free Items ($0.25 per item charge if exceeded)
  • $75 Monthly Service Charge
  • Full Treasury Management Access




The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and Annual Percentage Yield (APY) are subject to change weekly.

  • Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
  • Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
  • All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
  • If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
  • Effect of Fees: fees may reduce earnings.