Welcome to One

Get $200 for Opening a New  Checking Account

Welcome to 1 Logo Image

Get paid $200 when you set up your new checking account for direct deposit. 



First National Bank welcomes new customers.

Whatever features you want in your checking account, you'll find the right one at First National Bank. And even better—you get paid just for opening an account*.
 
Personal Checking Accounts Minimum Balance to Open Account Minimum Balance to Avoid Fees Annual Percentage Yield (APY) Reward After 90 Days With Recurring Direct Deposit*
You 1st Checking $25 None Not interest bearing $200
You 1st E-Checking  $50 None 0.15% $200
You 1st Premium Checking $50 $500 0.20% $200
You 1st Platinum Checking $50 $1,500 0.25% $200
*Account must be in good standing and maintain positive balance after 90 days to be eligible for reward. No minimum balance required to obtain reward. Subject to bank approval. Valid as of 6/22/2026. Rates are variable and may change after opening account. 

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Your New Favorite Checking Account

Simple and straightforward, or interest-earning. We offer a variety of checking accounts to meet your needs.
 
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Business Banking Made Better

Get access to the digital tools you need, all while having a dedicated Business Solutions team to streamline your banking processes.
 






Welcome to One promotion valid at all locations. Offer valid as of 6/22/2026.Limit one per customer. Must be funded from outside First National Bank accounts. Customers must have no previous checking account relationship with First National Bank. Account evaluated and reward paid after 90 days. At the end of 90 day period: Accounts must be active with positive account balances, and in good standing. Subject to bank review and approval. Reward is subject to taxes. 

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.