Checking

We have options to fit your needs.

There's no one-size-fits-all in a checking account. That's why you have options. You rely on your checking account every day, so make sure you get one that fits your financial personality.
Person shopping on their phone.

You First. Select the checking plan that fits your life.

Open a checking account that lets you keep any balance you want. Opt for one that earns interest. Whatever features you want in your checking account, you'll find the right one at First National Bank. And they all come with the digital tools you need to move money and monitor your account anytime, anywhere.

You 1st Checking

This simple, straightforward checking account lets you manage money the way you want and provides all the digital tools you need.
 

You 1st E-Checking

If you'd rather manage money on your phone or laptop, this paper-free account is for you. Plus, you'll earn interest no matter your balance.
 

You 1st Platinum Checking

Maintain a balance of at least $1,500 and your money will earn interest at a higher rate.
 

You 1st Premium Checking

Sign up for Direct Deposit to get access to your paycheck quicker. And start earning interest, too.
 




Find Your New Favorite Checking Account

Compare our four accounts and select the one with the features you want.

Your first 25 Online Bill Payments per statement cycle will be processed at NO CHARGE. Any Bill Payments in excess of the first 25 (per statement cycle) will cost 50 cents each.

^If you elect to received paper statements via the U.S. Mail then a $3 per month paper statement fee will apply. Remember E-Statements are Free!

*Direct Deposit is a requirement of the You 1st Premium Checking account

Our Patriot Act Notice has Important Information about Procedures for Opening a New Account.

Please come in to a local branch to open an account.


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.