First National Bank

• Mortgage
•     Online Mortgage Center
•     Home Equity Line of Credit
•     Home Improvement Loans
• Personal Loans
• Deposit Rates
• Checking Accounts
•     Step One Personal Payment Account
•     Step Two Personal Payment Account
•     Step Three
       Personal Payment Account
• Savings Accounts
•     First Steps Kid Savings
•     Step One Personal Savings
•     Step Two Personal
       Money Market Savings
•     Step Three Personal
       Money Market Savings
•     Health Savings Account
• iSave
• Certificate of Deposit
• Individual Retirement Account

We realize that there's more than one way to handle your finances and that's why our accounts are not called checking accounts, but personal payment accounts. Whether you favor your debit card, use mainly checks, or pay all your bills online, we have an account that will fit your needs and preferences as you go through the steps of life.

Step One Personal Payment Account

Are you in the first steps of life, or just like things simple?

• $100 to open
• No minimum balance, no monthly service charge
• Free transactions at First National Bank and Privileged Status ATMs
• $400 Overdraft Privilege (discretionary payment of checks, ACH and transfers)
• Free Internet Banking
• Free BillPay

Step Two Personal Payment Account

For a low minimum balance of $500 your Step Two Personal Payment Account will earn you a competitive interest rate while providing you with many options.

• $100 to open
• No monthly service charge if minimum balance is maintained. $10.00 per month if below minimum balance.
• Tiered rate
• Free images returned each statement cycle
• Free transactions at First National Bank and Privileged Status ATMs
• $700 Overdraft Privilege (discretionary payment of checks, ACH and transfers)
• Free Internet Banking
• Free BillPay

Step Three Personal Payment Account

If you want to earn high interest on your checking account balances and receive many great benefits, this account is for you. With an aggregate balance of $15,000 you will have the ability to receive a competitive interest rate, a full menu of benefits and pay no service fees.

• $100 to open
• $15,000 minimum balance requirements include any combination of deposit and loan accounts
• $15 monthly service charge if account falls below minimum balance
• Tiered rate
• Free images returned each statement cycle
• Free transactions at First National Bank and Privileged Status ATMs
• $1,000 Overdraft Privilege (discretionary payment of checks, ACH and transfers)
• Free Internet Banking
• Free BillPay
• Free unlimited bank specialty checks, money orders and cashier's checks

Product availability may vary by First National Bank location.