Personal Checking Accounts

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Personal Checking E-Now, Free & Interest Checking Options

Whether you’re looking for a basic, fee-free checking account, or an account that rewards you for utilizing online banking services, First National Bank has the right option for you. Any of our checking accounts can be partnered with BaZing  – a new feature that offers several money saving benefits and personal protection for just $5 per month.

Compare Our Checking Accounts

 e-Now CheckingFree CheckingInterest Checking
OverviewOur favorite checking account that earns you interest and provides you with so many FREE features.Our basic checking account that allows you to pick and choose the features you want.This account pays you interest and allows for flexibility with features and how you receive statements.
InterestEnroll for e-statments and use your Visa® debit card at least 20 times each statement cycle and you’ll receive the premium interest rate.NoEarns a set interest rate.
Minimum Balance to open$50.00$50.00$50.00
Minimum Balance Requirement to Obtain APYNoN/AYes
Internet, Mobile Banking, & Debit CardFreeFreeFree
E-statementsFree (Required)Free (Required)Free OR Paper Statements available for $3.00/mo or waived if a minimum daily balance of $1,000 is maintained.
Online Bill PayFree$5.00/mo$5.00/mo
BaZing Benefits$5.00/mo OR $3.00/mo for 1st Priority Club Members$5.00/mo OR $3.00/mo for 1st Priority Club Members$5.00/mo OR $3.00/mo for 1st Priority Club Members


Click here to see the current rates of our deposit accounts.

Debit Cards

Debit cards are an easy way to make quick purchases at retail locations across the country without the hassle of writing a check. Our debit cards are FREE and offer a variety of benefits including:

  • Eliminating the need to carry checks.
  • Accepted anywhere VISA is accepted.
  • Accepted at any ATM.

Overdraft Coverage

Life happens! We understand that unexpected overdrafts occur from time to time – Over draft Coverage can help, click here for more information. If you have questions about Overdraft Protection or Overdraft Privilege, please call us at 563-263-4221 or visit a branch. 

Apply for a Checking Account

If you’re ready to open a checking account or would like to learn more about our debit cards, stop by any of our locations to speak with a member of our personal banking team, or give us a call at 563-263-4221. We look forward to the opportunity to serve your banking needs!

Apply now