You 1st Premium Checking

Make fewer trips to the bank. Put more money in your pockets.

 
Simplify your banking experience by asking your employer to send your pay directly to First National Bank.
Son on mother back in the kitchen.
The definition of easy money - earn interest and have your paycheck deposited directly into your account.



Direct Deposit is the secure, time-saving way to get your salary, Social Security benefits or pension payments into the bank. With electronic fund transfers, there's no standing in line or worrying about a lost check. At First National Bank, Direct Deposit comes with another benefit – access to a full-service checking account that pays interest on deposits and offers anytime digital banking access.


Family having fun on vacation.
  • Earn competitive interest on all balances
  • Avoid $5 monthly fee by maintaining a monthly balance of at least $500
  • First order of checks is free
  • Choose free e-Statements or paper statements sent via U.S. mail
  • Check images are provided online and as part of your monthly statement
  • Free Debit Mastercard for fast easy purchases online and in stores
  • Online Banking and electronic Bill Pay
  • Mobile Banking and mobile check deposit
  • Access to nationwide ATM network








Direct deposit is a requirement of this 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.