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Step Three Personal Payment Account

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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 $15,000.00 you will have the ability to receive a competitive interest rate, a full menu of benefits and pay no service fees.

  • $100.00 to open
  • $15,000.00 minimum balance requirements include any personal household combination of deposit and loan accounts
  • No monthly service charge if minimum balance is maintained 1
  • Tiered rate
  • Free images returned each statement cycle
  • Free transactions at First National Bank and Privileged Status ATMs
  • $1,000.00 Overdraft Privilege (discretionary payment of checks, ACH and transfers)
  • Free unlimited bank specialty checks, money orders and cashier's checks
  • Free Internet Banking
  • Free BillPayer Plus
  • Free e-Statements
  • Free Mobile Banking 
  1. $15.00 monthly service charge if account falls below minimum balance of $15,000.00.

Product availability may vary by First National Bank location.